Rhode Island
#48
retiree-friendly rank
- Social Security
- SS partially taxed
- Retirement income
- Retirement income taxed
- Death tax
- Estate tax
Prop 1.12% · Sales 7%
2026Rhode Island vs Montana Retirement Taxes
Montana ranks more retiree-friendly than Rhode Island on Social Security, retirement-income, and estate/inheritance treatment. Compare Social Security, pensions and IRA withdrawals, estate/inheritance taxes, and supporting property and sales rates.
By Sammy S. · Founder · AuthorUpdated for 2026
More retiree-friendly on this model
Montana ranks ahead
Montana ranks #45 vs #48 for Rhode Island. Score gap: 1.00 (lower score = more friendly).
Side-by-side retirement tax scoreboard
Montana
#45
retiree-friendly rank
- Social Security
- SS partially taxed
- Retirement income
- Retirement income taxed
- Death tax
- None
Prop 0.61% · Sales 0%
Retirement tax metric comparison
Rankings emphasize income and death taxes. Property and sales rates matter for cash flow but do not drive the retiree-friendliness score.
| Metric | Rhode Island | Montana |
|---|---|---|
| Retiree-friendly rank | #48 | #45 |
| Social Security | SS partially taxed | SS partially taxed |
| Retirement income | Retirement income taxed | Retirement income taxed |
| Estate / inheritance | Estate tax | None |
| Estate exemption | $1.84M | — |
| Estate top rate | 16% | — |
| Effective property tax | 1.12% | 0.61% |
| Combined sales tax | 7% | 0% |
State rules explained
Why Rhode Island and Montana differ for retirees
The gap is rarely one rule. Social Security thresholds, pension exclusions, and estate taxes can each flip which state looks better for a given household.
Rhode Island rules
Still taxes some Social Security for higher-AGI filers; other retirement income generally taxable; estate tax applies.
SS exempt at full retirement age if AGI is below published limits (about $107,000 single / $133,750 joint—confirm current Form RI-1040).
Other retirement income generally taxed; SS partially taxed for higher-AGI filers.
Estate tax: exemption about $1.84M, top rate about 16%.
- Property
- 1.12%
- Sales
- 7%
Montana rules
Still taxes some Social Security; other retirement income generally taxable.
Partial SS taxation with AGI deductions/exclusions; confirm Montana Form 2 instructions.
Other retirement income generally taxed; SS partially taxed.
- Property
- 0.61%
- Sales
- 0%
Income mix matters
A household living mostly on Social Security may prefer different rules than one drawing large IRA RMDs. Compare Rhode Island and Montana against your actual income mix.
Death taxes are separate
Federal estate tax can still apply above about $15M. State estate or inheritance tax is an extra layer in some states.
Property & sales still count
Rhode Island property 1.12% vs Montana 0.61%; sales 7% vs 0%.
Compare a different pair
Compare any two states
Social Security, pensions/IRA, estate taxes, and supporting property/sales rates.
Related tools
Estimate federal retirement figures
Use Social Security and RMD tools, then apply each state's rules from this comparison.
Rhode Island vs Montana retirement tax FAQs
Montana ranks more retiree-friendly on this site's Social Security, retirement-income, and estate/inheritance score. Also compare property tax (1.12% vs 0.61%) and combined sales tax (7% vs 0%).
Rhode Island: ss partially taxed. Montana: ss partially taxed. Federal Social Security tax rules apply in both states.
Rhode Island: retirement income taxed. Montana: retirement income taxed.
Rhode Island: estate tax (exemption about $1.84M). Montana: no estate tax.
Not always. Property taxes, sales taxes, and estate taxes can offset income-tax savings. Compare total household exposure, not income tax alone.
Federal income tax, Medicare IRMAA surcharges, and the federal estate tax framework do not depend on the state of residence in the same way state income tax does. State rules sit on top of federal rules.
Related retirement tax comparisons
Educational comparison only. Confirm current state return instructions and estate planning rules before relocating.