How much does a Psychologist make in Montana?

The average Psychologist salary in Montana is around $115,000 per year. After federal taxes, FICA, and Montana state taxes, your estimated take-home pay is approximately $83,813 annually ($6,984/month).

What is the take-home pay for a Psychologist in Montana?

On a $115,000 salary in Montana, your take-home pay is approximately $83,813/year or $6,984/month. Federal tax: $16,470. State tax: $5,920. FICA: $0.00.

Is $115,000 a good Psychologist salary?

$115,000 is a strong salary for a Psychologist — above the national median. In Montana, demand for this role is active.

How do Montana taxes affect Psychologist salaries?

Montana levies state income tax on top of federal taxes. Your estimated state tax on $115,000 is $5,920. Your total effective tax rate is approximately 27.1%.

What are the career growth prospects for Psychologists?

6% growth through 2032 (faster than average). Related roles include: Clinical Psychologist, Counseling Psychologist, School Psychologist, Neuropsychologist.

How can a Psychologist in Montana reduce their tax bill?

Maximize your 401(k) contribution ($24,500 in 2026) to reduce taxable income. An HSA ($4,400 single / $8,750 family) adds further pre-tax savings. These strategies can save thousands annually — use our calculator to see your exact savings.

Healthcare

Psychologist Salary in Montana (2026)

The average Psychologist in Montana earns around $115,000/year. After taxes, your estimated take-home is $83,813/year ($6,984/month).

Take-Home Pay Breakdown

Category	Amount
Annual Take-Home Pay	$83,813
Monthly Take-Home Pay	$6,984
Biweekly Take-Home Pay	$3,224
Hourly Take-Home Pay based on 2,080 hrs/year	$40/hr
Federal Tax	$16,470
State Tax	$5,920
FICA Taxes	$8,798
Effective Tax Rate total taxes ÷ gross salary	27.12%

Estimates only — not tax advice. · Full disclaimer →

Want to model 401(k), HSA, or pre-tax contributions against your full salary? Open the salary calculator →

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Psychologist Salary Ranges in Montana

Entry Level (0–3 yrs)

$80,000

/year

See tax breakdown →

Mid Level (3–7 yrs)

$115,000

/year

See tax breakdown →

Senior Level (7+ yrs)

$165,000

/year

See tax breakdown →

Not all Psychologists earn the same — not even close

Montana's psychology market is anchored by University of Montana Department of Psychology Missoula (the only MT public clinical PhD-granting institution + APA-accredited + the substantial UM clinical + experimental psychology), Montana State University Department of Psychology Bozeman (APA-accredited counseling + experimental), Carroll College Helena Psychology, Billings Clinic Behavioral Health + Logan Health Behavioral Health + Bozeman Health Behavioral Health + St Vincent Healthcare + Benefis Behavioral + St Patrick Missoula Behavioral, the substantial Indian Health Service IHS MT reservation mental health (Blackfeet + Crow + Northern Cheyenne + Fort Peck + Fort Belknap + Rocky Boy IHS behavioral health + the substantial MT IHS reservation mental health crisis), Montana State Hospital Warm Springs (the substantial MT forensic + civil commitment), VA Montana Health Care Fort Harrison Helena, plus PsyPact since 2020 + MT is NOT a RxP state.

Senior Clinical PhD (Billings / Logan / Bozeman Behavioral)

$98,000–$148,000+ bonus

Billings + Logan + Bozeman Health Behavioral · MT health system clinical psychology

Senior Clinical PhD (UM / VA Fort Harrison)

$92,000–$138,000+ bonus

UM Missoula + VA Fort Harrison Helena · the only MT public academic clinical psychology

Senior PhD Independent Practice

$95,000–$165,000+ profit

Independent PhD practice · psychotherapy + assessment + the substantial MT cash-pay + Big Sky UHNW

Senior IHS Reservation Psychologist

$108,000–$148,000+ loan repayment + housing

Blackfeet + Crow + Northern Cheyenne + Fort Peck IHS · NHSC + LRP + housing

Senior Clinical PhD (MT State Hospital Warm Springs)

$88,000–$132,000+ benefits

MT State Hospital Warm Springs · forensic + civil commitment + state-level

Senior Clinical PhD (Carroll / MSU)

$78,000–$118,000

Carroll College + MSU + Rocky Mountain · undergraduate counseling + training

Senior Neuropsychologist

$108,000–$165,000+ bonus

Neuropsychology at Billings Clinic + Bozeman Health + private practice

Senior Forensic Psychologist

$92,000–$138,000+ retainer

MT State Hospital + MT Courts + DOC + Montana State Prison Deer Lodge · forensic

Senior Federal Civilian (VA Fort Harrison)

$105,000–$158,000

VA Montana Health Care Fort Harrison Helena · GS-13/14 federal civilian

Postdoc / Early Career

$52,000–$72,000

APA postdoc · MT health systems + VA Fort Harrison + UM postdoc pipeline

Worth knowing: Indian Health Service Montana 7 reservations mental health is one of the country's distinctive concentrated US single-state IHS reservation mental health anchor and a feature most national psychology surveys understate for MT. The substantial Indian Health Service IHS MT reservation mental health (Blackfeet IHS Browning + Crow Agency IHS + Northern Cheyenne IHS Lame Deer + Fort Peck IHS Poplar + Fort Belknap IHS Harlem + Rocky Boy IHS Box Elder + the substantial Salish Kootenai IHS-affiliated behavioral health serving 7 MT reservations + the substantial MT IHS reservation mental health crisis + the substantial MT IHS reservation post-2020 suicide prevention + substance use disorder + the substantial MT IHS Loan Repayment Program LRP + IHS Scholarship + housing) supports substantial MT IHS psychology. Senior IHS reservation psychologists clear $108-148K+ LRP + housing. Billings Clinic + Logan Health + Bozeman Health + St Vincent + Benefis + St Patrick Behavioral Health + MT State Hospital Warm Springs forensic + civil commitment + VA Fort Harrison Helena federal civilian + UM Missoula + MSU Bozeman + Carroll College psychology training. MT is NOT a RxP state — MT psychologists do NOT have prescribing authority (compare NM 2002 + LA 2004 + IL 2014 + IA 2016 + ID 2017 + CO 2023). MT PsyPact since 2020 supports multi-state telepsychology. MT flat 5.9% + MT is NOT a RTW state + MT 0% sales tax anchor the MT psychology proposition.