Montana Cost of Living: What It Really Takes to Live There

When people talk about the Montana cost of living, the total amount of money needed to cover basic expenses like housing, food, taxes, and transportation in the state of Montana. Also known as living expenses in Montana, it’s not just about rent—it’s about whether your paycheck stretches far enough to enjoy the mountains without going broke. Many assume Montana is cheap because it’s rural, but that’s not the whole story. Housing prices have jumped over 40% in the last five years, especially in cities like Bozeman and Missoula, where demand from remote workers and retirees has pushed prices beyond what many locals can afford.

The Montana housing costs, the price of buying or renting homes across Montana’s cities and towns. Also known as real estate prices in Montana, it’s the biggest shock for newcomers. A two-bedroom apartment in Helena now averages $1,500 a month—up from $950 just five years ago. Even smaller towns like Kalispell are seeing rents climb fast. If you’re thinking of buying, median home prices hover around $450,000, and that’s before you factor in property taxes, which are lower than the national average but still add up. The Montana taxes, the state and local taxes residents pay on income, property, and sales. Also known as Montana tax burden, it’s one of the few bright spots. There’s no state income tax, which saves most people thousands a year. But sales tax can hit 9% in some counties, and property tax rates vary wildly depending on where you live.

Don’t forget groceries, gas, and utilities. Food costs 10-15% higher than the national average because of shipping distances. Gas prices swing with oil trends, but they’re often 20-30 cents higher than in neighboring states. Winter heating bills can double if you’re not in a well-insulated home. And don’t assume broadband is cheap or reliable—rural areas still struggle with slow internet and limited providers.

So who can afford it? Remote workers with out-of-state income, retirees with pensions, and people who don’t mind driving 30 miles for groceries. If you’re planning to move, you need a plan—not just a dream. Look at take-home pay, not just salary. Compare rent to what you’d pay elsewhere. Factor in seasonal job dips if you’re in tourism or construction. And always visit in winter before you commit.

Below, you’ll find real advice from people who’ve done it—what they wish they knew, what surprised them, and how they made Montana work without draining their savings. Whether you’re thinking of relocating, investing, or just curious, these posts cut through the noise and give you the numbers that matter.