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Cost of Living in
Montana

Living cost is 6.86% higher than avg
Families spend upto $9,338/mo on avg
Homeowners spend $9,093/mo on avg
Renters spend $4,925/mo on avg

Cost of Living in
Montana

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A Breakdown of the Cost of Living in Montana

U.S. Avg.

Montana

Difference Diff

Home Price

$534,127

$643,740.4

21%

Apartment Rent (per month)

$1,354

$1,670.4

23%

U.S. Avg.

Montana

Difference Diff

Phone (per month)

$219.9

$186.21

15%

Total Energy (per month)

$194.67

$170.02

13%

U.S. Avg.

Montana

Difference Diff

Grocery Staples

Corn Flakes (per box)

$5.88

$6.07

Frozen Corn (per bag)

$2.33

$2.34

Frozen Meal (per package)

$4.75

$3.84

19%

Cooking Oil (per bottle)

$6.00

$8.79

46%

Detergent (per bottle)

$18.81

$20.67

10%

Facial Tissues (per box)

$2.54

$2.3

10%

Sweet Peas (per can)

$1.74

$1.81

Sugar (per bag)

$4.46

$5.21

17%

Bread (per loaf)

$3.66

$4.38

20%

Frying Chicken (per lb)

$1.64

$1.46

11%

Meat & Poultry

Chicken (per lb)

$1.67

$1.5

10%

Steak (per lb)

$13.56

$17.04

26%

Sausage (per lb)

$4.89

$4.95

Ground Beef (per lb)

$7.90

$7.92

Snacks & Beverages

Soft Drink (per bottle)

$3.08

$2.83

Potato Chips (per bag)

$5.08

$4.44

13%

Coffee (per lb)

$5.92

$7.01

18%

Fresh Orange Juice (per half gallon)

$4.85

$5.22

Fruits & Vegetables

Peaches (per can)

$4.29

$2.98

30%

Lettuce (per head)

$1.85

$1.97

Bananas (per lb)

$0.62

$0.74

19%

Potatoes (per bag)

$4.61

$4.73

Dairy & Eggs

Parmesan Cheese (per lb)

$4.46

$5.11

15%

Margarine (per lb)

$1.26

$1.45

15%

Eggs (per dozen)

$4.50

$4.67

Whole Milk (per gallon)

$4.02

$4.66

16%

Seafood

Chunk Light Tuna (per can)

$1.06

$1.3

22%

U.S. Avg.

Montana

Difference Diff

Tire Balance (per tire)

$69.15

$69.2

Gasoline (per gallon)

$2.82

$3.04

U.S. Avg.

Montana

Difference Diff

Doctor Visit (per visit)

$113.53

$191.2

68%

Dentist Visit (per visit)

$144.14

$128.18

11%

Ibuprofen (per bottle)

$11.48

$11.95

Prescription Drug (per month)

$21.09

$23.14

10%

Optometrist Visit (per visit)

$93.18

$166.5

79%

U.S. Avg.

Montana

Difference Diff

Women’s Slacks

$34.9

$48.17

38%

Boys’ Jeans

$29.45

$28.57

Men’s Shirt

$39.14

$47.33

21%

Wine (per bottle)

$7.14

$12.46

74%

Beer (per 6-pack)

$10.78

$10.25

Veterinary Services (per visit)

$65.41

$69.56

Tennis Balls (per pack)

$3.49

$4.45

27%

Yoga (per class)

$11.89

$19.35

63%

Movie (per ticket)

$11.41

$12.91

13%

Newspaper (per copy)

$18.96

$16.22

14%

Washer Repair (per service)

$109.38

$102.1

Women Slacks

$34.88

$38.68

11%

Boy Jeans

$29.51

$29.15

Man Dress Shirt

$39.05

$35.73

Dry Cleaning (per item)

$13.25

$21.77

64%

Shampoo (per bottle)

$1.56

$1.49

Toothpaste (per tube)

$3.59

$4.33

21%

Beauty Salon (per visit)

$46.61

$62.68

34%

Haircut (per cut)

$26.79

$29.05

Fried Chicken (per serving)

$4.36

$5.64

29%

Pizza (per pizza)

$11.88

$13.3

12%

Hamburger (per serving)

$5.25

$7.07

35%

The cost of living in Montana is 6.86% higher than the national average. While the state’s vast landscapes and outdoor recreation make it an appealing place to live, its growing popularity has pushed living expenses up. In high-demand cities like Billings, Bozeman, and Missoula, home prices have soared well above the national median, driven by limited inventory and interest from both local residents and out-of-state buyers.

Housing in Montana is 21% higher than the national median. The median home price in Montana is $643,740.40, compared to $443,030 nationally. When buying a house in Montana, you should set aside 15% to 20% of the home price as down payment. Monthly mortgage payments in the state tend to be moderately higher than the national average, especially in places like Bozeman, where the real estate market is booming.
Renting in Montana is 23.4% higher than the national average of $1,670.40. A one-bedroom apartment in Billings or Missoula rents for $1,500 to $2,000 per month, while a two-bedroom averages $2,100 to $2,700. Even with these prices, renters often get more space than in larger cities, though amenities like parking or central heating may vary.
Utilities in Montana are 14% lower than the national average. Monthly costs for electricity, water, sewer, and trash typically range from $130 to $220, compared to the national average of $200 to $260. Montana’s winters drive up heating costs, especially in older homes. Rural areas may see higher utility costs due to infrastructure and transportation challenges.
Food prices in Montana are 1% higher than the US median. A family of four spends about $820 to $1,100 on groceries monthly, while a single adult spends $360 to $500. Fresh produce and local meats are affordable, but transportation costs for imports drive up some prices modestly.
Transportation costs in Montana is 5.77% higher than the national average. Gas prices average $3.04 per gallon, and car insurance premiums average $185 per month, in line with national rates. While public transit options are limited in rural areas, cities like Billings and Missoula offer bus services. However, most people in the state rely on cars to get around.
Healthcare costs in Montana are 15.38% higher than the national average, with a routine check-up costing about $120. However, specialized care or emergency visits can be more expensive, particularly in rural areas with fewer healthcare facilities. An ER visit can cost $1,500 to $3,000 without insurance.
Miscellaneous expenses in Montana are 9.06% higher than the national average. This includes costs like gym memberships ($40 to $60 per month), outdoor gear for hiking or skiing, and family outings to places like Yellowstone National Park. For example, a day trip to Glacier National Park can cost $50 to $100 for entry fees and transportation. With more people seeking outdoor adventures, everything from entry fees to equipment rentals has become more expensive.

Moving to Montana? Living costs can vary by city, but housing prices have climbed in recent years—just make sure your budget is ready for Big Sky Country.

👉 Next Step: Compare single-family homes in Montana. Cost of living data is sourced in part from the Council for Community and Economic Research (C2ER). Figures are provided for informational purposes only and may not reflect real-time changes.

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Is Living in Montana Expensive?

Yes, Montana is an expensive place to live, particularly in fast-growing cities like Bozeman, Missoula, and Billings. The overall cost of living in Montana is 6.86% higher than the national average, with housing being the primary driver. In cities like Bozeman and Missoula, particularly, home prices have surged in recent years due to high demand from remote tech workers, retirees, and outdoor enthusiasts.

With a budget of $643,740.40, you may be able to purchase a modern but moderately-sized home in Bozeman or Missoula, though it likely won’t include a large yard or premium amenities. In contrast, that same budget could secure a spacious home with more acreage in Billings or Great Falls, where housing is more affordable.

Housing in Montana

If you’re buying a home in Montana, keep in mind that housing prices can vary widely depending on the area. The overall cost of housing in Montana is 21% higher than the national average. However, some cities are much more expensive than others. For instance, Bozeman, the most expensive city in Montana, has home prices 8% higher than the state average, and 30% higher than the national average. Let’s break down the cost of housing in Montana:

Buying a House in Montana

For young adults or singles, homes in Billings or Missoula are popular choices, as they offer access to amenities and outdoor activities. The average home price in these areas is around $370,000 to $470,000. Mortgage payments will likely range from $2,200 to $2,800 per month, excluding insurance and taxes. If you're working with a tighter budget, consider condos or smaller homes in Great Falls or Helena, where prices typically range from $200,000 to $300,000.
For married couples with young children (under 6), you can expect to pay between $450,000 and $650,000 for a three-bedroom home in Bozeman or Billings. These areas have good schools, parks, and recreational areas. Billings Heights or South Bozeman are particularly popular with families, with schools like Bozeman Public Schools and Billings School District 2.
For married couples with older children (ages 6 to 17), multi-family homes in Whitefish, Missoula, or Kalispell range from $500,000 to $900,000. These homes come with increased space, backyards, and access to outdoor activities, along with top schools like Hellgate High in Missoula and Glacier High School in Kalispell.

Renting a House in Montana

Renting in Montana is 23.4% higher than the national average. While the typical US rent is around $1,670.40, renters in Montana typically pay $1,500 to $2,000 per month, depending on the neighborhood and property size. Here’s a closer look at rental costs in Montana:

For young adults or singles, rent for a one-bedroom home in Missoula or Billings ranges from $1,500 to $2,000 per month. Billings offers a mix of urban amenities with access to outdoor activities, while Missoula is known for its college-town atmosphere and vibrant arts scene. For more affordable options, look to areas like Great Falls or Helena, where rent typically ranges from $1,200 to $1,800 per month.
For married couples with young children (under 6), expect to pay between $2,100 to $3,200 per month for a two- or three-bedroom home in Helena, Great Falls, or Kalispell. Helena is known for its quality public schools, Great Falls offers access to a variety of community events and amenities, and Kalispell provides a more relaxed atmosphere with plenty of outdoor recreation.
For families with older children (ages 6 to 17), renting a three- or four-bedroom home in Great Falls, Helena, or Kalispell typically costs between $3,000 and $4,500 monthly. Homes near top-rated schools like Great Falls High School or Helena High School tend to be on the higher end of the range. These neighborhoods also provide access to nearby parks and outdoor spaces, perfect for family activities.
If you’re downsizing, you can rent one- or two-bedroom condos in Kalispell or Helena for $1,500 to $2,000 per month. These areas offer convenient access to shopping, healthcare, and recreational centers. Many smaller homes in desirable locations specifically cater to retirees, and those seeking a more manageable space.
International students should budget around $1,300 to $2,000 per month for a shared apartment in Havre or Missoula. Sharing an apartment can save 20% to 30% of your rent costs, especially in areas close to universities like Montana State University and University of Montana.

Utilities in Montana

Food and Groceries in Montana

Transportation in Montana

Healthcare in Montana

Healthcare costs in Montana are 15.38% higher than the national average, meaning residents pay slightly more for medical care compared to many other states. Routine visits and preventive care are generally affordable, but specialized treatments and emergency services can quickly add to expenses.

Doctor Visit — $191.20+ per visit: Routine doctor visits in Montana average $120, and include check-ups for common conditions like colds, blood pressure monitoring, or prescription refills. Specialized care, such as dermatology or chronic illness management, can increase your costs.
Dentist Visit — $128.18+ per visit: A routine dental cleaning in Montana averages $110. A cavity filling generally costs between $150 and $250, and other procedures like X-rays or fluoride treatments are typically 5% to 10% more expensive than some neighboring states.
Optometrist Visit — $166.50+ per visit: Routine eye exams in Montana average $125, slightly above the national average of $110. This price includes a standard vision check and prescription update. If you need specialized services, like contact lens fittings or treatment for eye conditions, you could pay an additional $50 to $150.
Prescription Drugs — $23.14+ per package: For chronic conditions like high blood pressure, a month's supply of Lisinopril costs $10 to $15 without insurance. Treating type 2 diabetes with Metformin typically costs $20 to $40 per month. Common antibiotics like Amoxicillin range between $20 and $35 for short-term use.
Over-the-Counter Meds — $9+ per package: Common over-the-counter medications such as ibuprofen, allergy relief, and cold treatments like DayQuil or Mucinex typically cost between $9 and $12 per package. From winter colds to seasonal allergies, a well-stocked medicine cabinet helps you stay prepared.

Healthcare in Montana is 15.38% higher than the national average, but more affordable than in metropolitan states like California and New York. The state’s outdoor lifestyle and clean air contribute to overall better health, which may help reduce the frequency and severity of medical issues.
It's still a good idea to have health insurance, as the average cost of a doctor's visit in Montana is $120*. Monthly premiums for health insurance plans in the state typically range from $400* to $750*.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Montana

What Salary Do You Need to Live in Montana?

The average salary in Montana is 6.86% higher. While that goes further than in many coastal states, the growing popularity of cities like Bozeman and Missoula has driven up housing prices and daily living costs in the state. Rural areas offer relief, but transportation, utilities, and healthcare can still stretch your budget.

Homeowners spend $109,118.00 per year: Mortgage payments, heating during long winters, and home maintenance make up the bulk of annual homeowner expenses. Property taxes are moderate, but insurance and repair costs in remote areas can be higher.

Renters spend $59,095.00 per year: A one- or two-bedroom apartment, plus utilities, groceries, and transportation, pushes annual expenses close to this figure. Cities like Bozeman, with limited rental stock, often see rents that rival bigger metro areas.

Families with kids spend $112,058.00 per year: Add in childcare, healthcare, school supplies, and more living space, and family budgets in Montana rise quickly. Though outdoor recreation is largely free, the cost of living for growing households remains significant, especially in desirable school districts.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Montana cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Montana's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Montana?

The cost of gas in Montana averages $3.04 per gallon. Prices often increase during the winter months due to higher heating demand and holiday travel. In rural areas, where gas stations are few and far between, residents may face longer drives and more frequent refills.

Is Montana a good place to live?

Yes, Montana is a great place to live if you enjoy wide open spaces, outdoor activities, and a slower pace of life. The state offers stunning landscapes, from Yellowstone National Park to the Rocky Mountains, and a close-knit community feel. However, job opportunities and amenities can be limited compared to more urban states.

What is the cost of living in Montana?

The average cost of living in Montana is 6.86% higher than the national average. While housing is more affordable in smaller towns like Helena and Great Falls, cities like Bozeman and Missoula can be more expensive, especially due to demand from outdoor enthusiasts and tech workers.

What is the average rent in Montana?

A one-bedroom apartment in Montana typically rents for $1,670.40 to $2,000 per month, depending on the city and neighborhood. Areas like Bozeman and Missoula tend to have higher rent prices, especially for units close to downtown or near the university.

How much is a two-bedroom apartment in Montana?

A two-bedroom apartment in Montana typically costs between $2,100 and $2,700 per month. Cities like Bozeman or Billings will generally have rents on the higher end of the spectrum, while smaller towns may offer more affordable options.

What is the average price of utilities in Montana?

Utilities in Montana range from $228 to over $500 per month. This includes electricity, water, sewer, and trash services. During winter, these expenses can rise significantly, especially in homes that use electric or gas heating systems.

How much is childcare in Montana?

If you’re moving to Montana, childcare costs can range between $700 to $1,200 per month for toddlers. Prices vary by area, with daycare centers in Billings and Bozeman being more expensive than in-home care options in smaller towns like Helena or Kalispell.