MONTANA · 30TH OF 51

Cost of living in Montana

Prices, pay, taxes, homes and family budgets, county by county, from the same official data the site's calculators use.

The short answer: Prices in Montana run 5.4% below the national average, 30th most expensive of the 50 states and DC. Rents run 15.4% below the national average. The median worker earns $48,740 a year. A typical home in the median Montana county is worth $295,183.
Prices

How far a dollar goes in Montana.

The Bureau of Economic Analysis measures price levels in every state against a national average of 100. Montana scores 94.6 overall, so a $75,000 salary at average US prices buys what $70,984 buys here. Compare any salary with another state.

Price levelMontana (US = 100)Rank, most expensive first
Everything94.630th of 51
Rents84.628th of 51
Goods96.0—
Other services98.7—

Home electricity averaged 12.66 cents a kilowatt-hour in 2024, against 17.06 across all states. A gallon of regular gas cost $4.39 at the end of August 2026, against $4.12.

Pay and taxes

What people earn, and what they keep.

Across all 511,580 jobs the Bureau of Labor Statistics counts in Montana, the median pay is $48,740 a year, or $23.43 an hour; that ranks 30th of the 50 states and DC. One worker in ten earns less than $29,390 and one in ten more than $100,610.

Montana taxes wages in brackets, with a top rate of 5.65%. The brackets in Montana. A single filer on the median $48,740, with no retirement or health deductions, takes home about $39,040 a year, or $1,502 every two weeks, after $3,669 of federal income tax, $3,729 of Social Security and Medicare and $2,303 of state income tax. Work out your own paycheck in Montana.

$48,740
median pay, all jobs
$23.43
median hourly pay
$39,040
take-home on the median, single filer
5.65%
top state income tax rate
Jobs

The most common jobs in Montana.

The five occupations employing the most people, with their median annual pay:

OccupationJobsMedian pay
Fast Food and Counter Workers14,960$29,090
Retail Salespersons13,490$36,270
Cashiers12,170$34,190
General and Operations Managers11,840$91,380
Registered Nurses10,950$85,280

Of the 20 largest occupations, the best paid are general and operations managers ($91,380), registered nurses ($85,280), business operations specialists, all other ($74,990). See what common jobs pay in every state.

Housing

What a home costs, and who can afford one.

Across the 56 Montana counties with their own Zillow home value, the median typical home is worth $295,183, and across the 13 with their own rent figure the median typical rent is $1,524 a month. A typical home costs 3.68 years of the county's median family income, at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $2,351 a month with tax, insurance and mortgage insurance, which takes $100,762 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 26.8% of Montana's counties, against 44.9% of counties nationally. Try it with your own income.

At the median county, home values changed +4.0% over the past year and +32.3% over five years, and rents +3.2% over the past year.

The most expensive Montana counties are Madison County ($761,154), Gallatin County ($701,493) and Flathead County ($652,673); the least expensive are Prairie County ($131,533), Roosevelt County ($153,630) and Glacier County ($166,656).

What a household needs

A modest budget, priced county by county.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county: housing, food, transport, healthcare, childcare, other necessities and taxes. In the median Montana county, that comes to $51,262 a year for one adult and $118,285 for two adults and two children, of which $20,795 is childcare. The national averages are $47,367 and $101,771. Median family income in the median county is $80,276.

Two adults, two childrenPer year, median countyPer month
Housing$15,168$1,264
Food$12,300$1,025
Transportation$21,215$1,768
Healthcare$20,648$1,721
Childcare$20,795$1,733
Other necessities$8,493$708
Taxes$20,458$1,705

Each line is its own median across counties, so the lines do not add up exactly to the total.

College

What college costs here.

The Department of Education's College Scorecard lists 28 colleges in Montana, 19 of them public. The median public college reports a cost of attendance of $16,621 a year, covering tuition, housing, books and other expenses. Ten years after enrolling, the median school's former students earn $41,951. Compare degrees and schools.

Every county

All 56 counties.

Show the table
Beaverhead County$406,220+3.5%—$77,135$112,759
Big Horn County$225,479+1.2%—$64,275$118,838
Blaine County$216,940+2.5%—$79,676$114,244
Broadwater County$533,765+0.6%—$80,551$135,895
Carbon County$518,743+4.4%—$89,542$114,011
Carter County$175,863−10.0%—$63,924$119,213
Cascade County$344,153+3.3%$1,381$84,338$112,903
Chouteau County$316,916+11.2%—$82,725$119,190
Custer County$253,415+9.0%$850$90,000$127,257
Daniels County$179,310+4.9%—$86,023$111,054
Dawson County$204,877+5.7%—$84,806$117,591
Deer Lodge County$296,403+3.1%$1,110$70,200$110,454
Fallon County$194,474+7.0%—$115,735$124,771
Fergus County$298,785+7.2%—$83,538$120,631
Flathead County$652,673+1.2%$1,965$87,536$122,864
Gallatin County$701,4930.0%$2,191$111,714$139,122
Garfield County$330,280+20.5%—$77,083$116,878
Glacier County$166,656−1.0%—$55,789$115,003
Golden Valley County$238,065+12.0%—$69,444$127,717
Granite County$475,901+2.3%—$72,596$118,191
Hill County$239,542+6.6%$1,092$76,083$113,918
Jefferson County$531,271+4.4%—$97,578$126,560
Judith Basin County$302,709+4.7%—$82,500$118,379
Lake County$603,585+1.5%$1,524$76,688$117,740
Lewis and Clark County$472,725+3.0%$1,606$99,043$121,513
Liberty County$221,101+2.1%—$60,833$111,827
Lincoln County$431,7640.0%—$61,328$115,697
Madison County$761,154+2.5%—$80,000$133,667
McCone County$251,210+7.9%—$88,882$127,532
Meagher County$320,168−2.2%—$73,500$124,472
Mineral County$398,828+0.4%—$70,800$122,654
Missoula County$580,196+1.3%$1,559$96,619$121,765
Musselshell County$246,694−0.7%—$67,021$113,713
Park County$612,388+1.3%$1,525$93,125$127,805
Petroleum County$201,284−0.7%—$78,750$127,857
Phillips County$221,495+4.0%—$75,532$108,682
Pondera County$271,432+11.3%—$73,920$116,702
Powder River County$293,962+11.7%—$98,958$116,778
Powell County$339,821+5.5%—$70,764$113,113
Prairie County$131,533+3.1%—$69,545$128,387
Ravalli County$603,900+0.4%$1,815$86,256$124,866
Richland County$283,949+6.2%—$87,353$120,873
Roosevelt County$153,630+11.6%—$65,000$115,926
Rosebud County$235,738+1.5%—$66,771$115,556
Sanders County$465,981+4.1%—$65,365$116,393
Sheridan County$181,424+10.1%—$91,154$122,124
Silver Bow County$288,837+4.8%$1,409$78,288$117,424
Stillwater County$496,521+10.4%—$101,688$118,627
Sweet Grass County$487,298+9.6%—$88,287$110,387
Teton County$366,826+9.1%—$82,873$124,738
Toole County$187,712+1.7%—$78,750$113,344
Treasure County$238,534+12.2%—$84,625$133,290
Valley County$194,467+8.9%—$87,909$116,434
Wheatland County$184,286+9.1%—$62,321$118,120
Wibaux County$234,527+12.4%—$88,438$133,108
Yellowstone County$407,038+2.3%$1,429$94,167$113,866

A dash means the source publishes no figure for that county. Home values and rents are Zillow's own county figures only; counties Zillow does not cover are left blank rather than filled with a state average.

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More about Montana

Cost of living · Income tax · Child care costs

Run the numbersTake-home pay in Montana · What a salary is worth in Montana · How much rent you can afford · What a car costs in Montana

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Where this comes from
Prices
Bureau of Economic Analysis, Regional Price Parities by State, 2024. Electricity: EIA average residential price, 2024. Gas: AAA state averages, August 30, 2026.
Pay
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, all occupations. Take-home uses the paycheck calculator's 2026 federal tables and the state's own tax tables.
Homes and rents
Zillow Home Value Index and Observed Rent Index by county, July 2026. Mortgage rate: Freddie Mac, 7.03% on September 24, 2026; 1.1% property tax and $1,700 a year of insurance assumed.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
Jobs and colleges
BLS OEWS May 2025 by occupation. U.S. Department of Education College Scorecard, latest cohort. Home value and rent changes compare Zillow's latest month with the same month one and five years earlier.

County figures are medians across Montana's counties, each counting once, so they describe the spread of places rather than of people. Property tax and insurance vary widely; the calculators let you use your own.

Keep reading
Cost of Living Calculator
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Home Affordability Calculator
The most house your income and debts support, and what it costs monthly.
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Take-home pay after federal, state and FICA withholding.