Cheapest City In Montana To Live: Is It Worth The Affordable Options? [Updated On 2025]

Great Falls is one of the cheapest cities to live in Montana. It has a low cost of living, community activities, and family-friendly amenities. The median home price is about $266,200. Other affordable options are Butte, Helena, and Missoula, each offering unique attractions and lower housing prices.

However, affordability comes with trade-offs. Job opportunities may be limited compared to urban centers. Public services, including healthcare and education, might also be less accessible. Forsyth offers a small-town charm, but those seeking vibrant cultural experiences may find it wanting.

Despite its limitations, living in Forsyth can be worth it for those prioritizing cost savings. The peaceful environment and close-knit community appeal to many. Individuals who value a slower pace of life and outdoor activities might thrive here. As we explore further, it’s essential to consider what trade-offs come with choosing the cheapest city in Montana to live. A deeper examination of the available amenities and lifestyle options can offer clarity on whether Forsyth truly meets your needs.

Table of Contents

What is the Cheapest City in Montana to Live?

The cheapest city in Montana to live is defined as a municipality where the cost of living is lower than national or state averages, particularly regarding housing, food, and transportation. This designation reflects the overall affordability of life in that location compared to others.

According to the Council for Community and Economic Research, the cost of living index evaluates various expenses that contribute to overall affordability. This index helps to identify cities that offer lower living expenses.

Montana’s various cities showcase a range of living costs influenced by local economies, job availability, and housing markets. Factors such as unemployment rates and population density affect the financial landscape of these cities.

Additional definitions from reputable sources, such as the U.S. Department of Housing and Urban Development, indicate that housing is typically the largest expense impacting the overall cost of living. Affordable housing options significantly influence city rankings.

Contributing factors include economic conditions, local job markets, and the desirability of areas for families and retirees. Cities with lower income levels may offer reduced living costs.

A 2023 report from the Bureau of Economic Analysis shows that cities like Great Falls and Billings offer costs of living that are lower than the national average by 10-15%. Projections indicate continued trends in urban migration towards affordable areas could boost these ratings.

Lower living costs can enhance community wellbeing but may also strain local services and infrastructure. An influx of new residents can disrupt local economies and create competition for resources.

Regarding health, environment, society, and economy, lower costs can lead to increased access to essential services, yet may also result in environmental degradation if not managed sustainably.

Specific examples include Great Falls, which has a stable job market, low housing costs, but limited access to healthcare services.

To address potential issues stemming from low living costs, organizations like the National League of Cities recommend initiatives for affordable housing and job training programs.

Specific strategies could include creating affordable housing developments, improving public transportation, and boosting local business incentives to enhance economic growth. Sustainable urban planning can mitigate potential negative impacts of rising populations in cheaper cities.

What Factors Contribute to the Affordability of Living in Montana?

Several factors contribute to the affordability of living in Montana.

Housing Costs
Cost of Living
Income Levels
Economic Opportunities
Local Tax Policies
Geographic Location
Quality of Life

These factors can vary widely depending on personal circumstances and regional differences.

1. Housing Costs:
Housing costs in Montana are generally lower compared to urban places like California or New York. According to Zillow, the median home price in Montana was approximately $400,000 in 2023, significantly lower than in coastal states. Rural areas in Montana can have even lower prices, allowing more families to purchase homes. However, demand in popular areas like Bozeman has driven prices up, potentially making affordability a challenge.

2. Cost of Living:
The overall cost of living in Montana is below the national average. Data from the Economic Policy Institute (2023) highlights that Montana residents spend less on essentials like groceries and healthcare. While some amenities may be less available in rural areas, residents benefit from lower prices on many daily expenses. The affordability varies between urban and rural locales, impacting individual financial situations.

3. Income Levels:
Income levels in Montana can affect affordability. According to the U.S. Bureau of Labor Statistics (2023), the average salary in Montana is lower than in higher-paying states but may align with the cost of living in the state. This disparity can make it challenging for newcomers to find stable employment that meets their financial needs, especially in more economically disadvantaged areas.

4. Economic Opportunities:
Montana’s diverse economy supports various sectors like agriculture, tourism, and technology. As noted in a report by the Bureau of Economic Analysis (2022), growth in tech jobs in cities like Missoula and Bozeman has led to increased job opportunities. However, some may argue that growth has led to gentrification, making it harder for long-term residents to afford living in their hometowns.

5. Local Tax Policies:
Local tax rates in Montana, such as property and sales taxes, can impact affordability. The Tax Foundation reported in 2022 that Montana lacks a general sales tax, which may benefit residents when purchasing goods. However, the state’s property taxes can be burdensome for homeowners, especially in rapidly growing regions. This creates a mixed perspective on how taxation affects overall affordability.

6. Geographic Location:
Montana’s geographic features influence living costs. The state offers ample land and natural resources, contributing to lower land prices in rural areas. However, remote locations can lead to higher transportation costs for goods and services. Geographic isolation can challenge residents, yet it can also offer a serene lifestyle and access to outdoor activities, which some may prioritize over urban conveniences.

7. Quality of Life:
Many residents value the quality of life in Montana due to its natural beauty, outdoor activities, and lower population density. Reports from the Gallup Healthways Well-Being Index (2021) indicate that residents report high satisfaction rates. While this may offset some higher costs, it does not negate the challenges faced by individuals in more economically stressed situations.

In summary, the affordability of living in Montana results from a blend of factors that can differ in importance based on individual circumstances and perspectives.

How Do Housing Prices Impact the Cost of Living in the Cheapest City?

Housing prices significantly impact the cost of living in the cheapest city by determining expenses related to rent, property taxes, and the availability of affordable goods and services.

Firstly, lower housing prices provide an opportunity for residents to allocate more of their income to other essential areas. This means:
– Rent Affordability: When average housing costs decrease, residents spend a smaller percentage of their income on rent or mortgages. This leaves more disposable income for groceries, healthcare, and education.
– Property Taxes: A city with lower housing prices typically has lower property taxes. This reduces the overall cost of living and can attract new businesses and residents, stimulating local economic growth.

Secondly, housing prices influence local economies and the availability of services. For instance:
– Local Businesses: More affordable housing attracts different demographics, increasing demand for diverse services and goods. This can result in lower prices for locals as businesses respond to increased competition.
– Labor Market: Affordable housing often draws a working-age population seeking employment. A burgeoning workforce can enhance local job opportunities, thus affecting overall living costs positively.

Lastly, studies highlight the direct correlation between housing prices and cost of living indices. For example, a report by the National Association of Realtors (2022) indicates that a 10% decrease in housing prices correlates with a 3% lower overall cost of living. This insight underscores how critical housing affordability is to the financial health of residents in a city.

In conclusion, the inflation of housing prices within even the cheapest city can further exacerbate living costs, making affordability a vital focus for current and prospective residents.

What Employment Opportunities Exist in the Cheapest City in Montana?

The cheapest city in Montana is generally considered to be Miles City. Employment opportunities in Miles City are diverse and span several sectors.

Healthcare
Education
Retail
Agriculture
Manufacturing
Tourism

These sectors provide a variety of job options ranging from entry-level positions to skilled work. Additionally, opinions on economic stability and quality of life can vary among residents. Some may find opportunities limited due to the city’s size, while others appreciate the low cost of living and community atmosphere.

Exploring these sectors further reveals insights into the workforce landscape in Miles City.

Healthcare: Employment in healthcare focuses on both medical professionals and support staff. Hospitals, clinics, and nursing homes in Miles City require nurses, physicians, and administrative personnel. The U.S. Bureau of Labor Statistics reports a steady demand for healthcare workers, particularly in rural areas. Miles City’s local facilities, like Holy Rosary Healthcare, create numerous job opportunities that cater to the aging population in the region.
Education: The education sector offers positions in teaching, administration, and support services. Miles City has public school systems and higher education institutions, such as Miles Community College. According to the National Center for Education Statistics, teaching positions in rural areas can often have lower competition. This can benefit those seeking stable employment in education.
Retail: Retail jobs in Miles City include positions in grocery stores, clothing outlets, and local businesses. The city’s low cost of living promotes local shopping, thus supporting small businesses. According to the Montana Department of Labor and Industry, retail employment remains strong due to consistent consumer spending within the community.
Agriculture: Agriculture provides significant job opportunities in and around Miles City. This industry includes farming, ranching, and related services. The USDA reports that agriculture is a vital part of the local economy, with opportunities for both seasonal and year-round employment. Many residents engage in farming, creating a close-knit community of agricultural workers.
Manufacturing: Limited manufacturing jobs exist, primarily focused on local goods and resources. Companies often rely on the surrounding agricultural input for processing and production. The Manufacturing Institute indicates that manufacturing can create a network effect, providing indirect jobs in supporting industries.
Tourism: Tourism provides seasonal employment through outdoor activities, historical sites, and local events. Attractions, such as the 7th Cavalry Museum, draw visitors and create jobs in hospitality. The state’s tourism data indicate that regions like Miles City can significantly benefit from strategic marketing efforts promoting local culture and outdoor recreation.

Employment in Miles City offers both diverse opportunities and community benefits, making it an attractive place for those seeking work in an affordable setting.

What Amenities and Services Are Offered in the Cheapest City?

The cheapest city offers a range of amenities and services that make living there appealing despite lower costs.

Affordable Housing Options
Public Transportation
Health Care Services
Educational Facilities
Recreational Facilities
Grocery and Shopping Access
Basic Utilities and Services

These amenities highlight the balance a cheap city provides between affordability and essential services, which may vary by personal preference or societal perspective.

Affordable Housing Options:
In the cheapest city, affordable housing options are prevalent. Availability of low-rent apartments and houses ensures that many residents can find comfortable living spaces within their budget. According to a 2022 report by the National Low Income Housing Coalition, cities with lower living costs typically offer a wide variety of rental choices that cater to diverse income levels.
Public Transportation:
Public transportation is critical in many affordable cities. Regular bus or rail services provide residents with low-cost commuting options. A study conducted by the American Public Transportation Association in 2021 indicates that cities with effective public transport systems see reduced transportation costs for residents, fostering economic growth and accessibility.
Health Care Services:
Health care services in cheaper cities often include local clinics and hospitals that provide essential care. Many of these facilities offer sliding-scale payment options. According to a 2023 analysis from the U.S. Department of Health and Human Services, such accessibility is vital in maintaining community health, especially where income levels may limit comprehensive health insurance.
Educational Facilities:
Educational facilities play a vital role in affordable cities. Public schools often provide quality education options for families. The National Center for Education Statistics reports that states with cheaper living costs often have strong public school systems, enabling families to invest in education without incurring substantial costs.
Recreational Facilities:
Recreational facilities, such as parks, sports complexes, and community centers, are commonly found in economical cities. These spaces offer free or low-cost activities that promote community engagement. Research published in the Journal of Urban Health in 2020 indicates that access to these facilities contributes to improved physical and mental health among residents.
Grocery and Shopping Access:
Grocery and shopping access is typically robust in affordable cities. Local markets often provide fresh produce at competitive prices. According to a 2022 survey conducted by the Food Research and Action Center, cities with lower living costs generally excel in the availability of affordable grocery options, ensuring better food security for residents.
Basic Utilities and Services:
Basic utilities and services are generally offered at lower rates in cheaper cities. Residents benefit from affordable essentials such as water, electricity, and internet access. The Energy Information Administration reported in a 2021 study that cheaper cities can maintain lower utility costs, making them more attractive to potential residents.

These amenities and services collectively contribute to the livability of the cheapest city while allowing residents to maintain a comfortable lifestyle within a tighter budget.

How Do Living Conditions Compare in the Cheapest City?

Living conditions in the cheapest city in Montana, which is Great Falls, are characterized by affordable housing, low cost of living, access to amenities, and a moderate climate.

Affordable housing: Great Falls offers a significantly lower average home price compared to national averages. The median home price in Great Falls is around $250,000, whereas the national median is approximately $400,000 (National Association of Realtors, 2023). This affordability allows residents to secure larger living spaces for less.

Low cost of living: The overall cost of living in Great Falls is approximately 15% lower than the national average. According to the Missouri Economic Research and Information Center (MERIC, 2023), this includes lower costs for groceries, transportation, and healthcare, making it a financially viable option for many families.

Access to amenities: Great Falls provides various amenities, including parks, restaurants, and shopping centers. The city has several recreational facilities, such as the Lewis and Clark Interpretive Center and the River’s Edge Trail, which cater to outdoor enthusiasts and promote a healthy lifestyle.

Moderate climate: The climate in Great Falls features cold winters and warm summers. The average winter temperature hovers around 25°F, while summer averages about 85°F (National Weather Service, 2023). This climate allows for a range of seasonal activities, from skiing in winter to hiking in summer.

In summary, Great Falls presents a blend of affordability, convenience, and quality of life, appealing to many looking for budget-friendly living options.

What Are the Pros and Cons of Residing in the Cheapest City in Montana?

The cheapest city in Montana offers both advantages and disadvantages for residents. Understanding these pros and cons can help potential movers make informed decisions.

Pros:
– Low cost of living
– Affordable housing options
– Low crime rates
– Access to outdoor activities
– Strong community feel
Cons:
– Limited job opportunities
– Fewer amenities and services
– Potential isolation
– Limited access to healthcare
– Harsh winter weather

The following sections will explore these points in detail, providing valuable insights into what living in the cheapest city in Montana entails.

Low Cost of Living: Living in the cheapest city in Montana offers residents a low cost of living. This means that everyday expenses, such as groceries and utilities, are generally lower compared to other areas. According to the Council for Community and Economic Research, cities like population 1,000 offer living costs significantly below the national average, making it an attractive option for budget-conscious individuals.
Affordable Housing Options: Affordable housing is a major benefit for those considering this city. Home prices and rental rates are relatively low, which makes homeownership achievable for many residents. Data from Zillow indicates that median home prices in such locations can be significantly lower than the national median, allowing families and individuals to invest in property.
Low Crime Rates: Safety is another advantage of residing in the cheapest city in Montana. Many of these cities report lower crime rates compared to urban areas, creating a more secure environment. The FBI’s Uniform Crime Reporting (UCR) Program shows that smaller cities often experience lower violent crime rates, contributing to a sense of safety for residents.
Access to Outdoor Activities: The natural beauty of Montana provides ample opportunities for outdoor activities. Residents can enjoy hiking, fishing, and skiing without having to travel far. The Montana Department of Fish, Wildlife and Parks highlights numerous trails and parks available for public use, promoting an active and healthy lifestyle.
Strong Community Feel: A tight-knit community is often found in smaller cities. Residents tend to know their neighbors, and there are often community events and gatherings. This fosters a sense of belonging and can enhance overall well-being. A survey by the Pew Research Center indicates that social connections are essential for happiness, which smaller cities might more readily provide.
Limited Job Opportunities: One major downside is the limited job market. Many cheaper cities have fewer businesses and industries, which can lead to a lack of job opportunities, particularly for specialized professions. The U.S. Bureau of Labor Statistics frequently reports lower employment rates in smaller towns compared to urban centers.
Fewer Amenities and Services: Living in a cheaper city often means fewer amenities and services, such as restaurants, shopping centers, and entertainment options. This can be a significant adjustment for newcomers used to a vibrant city life. The International Council of Shopping Centers emphasizes that consumers in smaller towns may have limited retail choices.
Potential Isolation: The cheaper city’s population size can contribute to feelings of isolation. Limited social engagement opportunities may be a drawback for those who thrive in bustling environments. Research from the Journal of Rural Health shows that social isolation can lead to negative health outcomes, impacting mental and emotional well-being.
Limited Access to Healthcare: Access to quality healthcare can be challenging. Smaller cities may have fewer clinics and specialists, impacting residents’ health management. The National Center for Health Statistics indicates that rural populations may experience disparities in healthcare access compared to urban areas.
Harsh Winter Weather: Finally, harsh winter conditions can be an adjustment. The climate in Montana poses challenges such as heavy snowfall and cold temperatures. The National Weather Service regularly reports severe winter weather events that can impact daily life and transportation.

In summary, while residing in the cheapest city in Montana presents appealing financial and community advantages, potential residents should carefully consider the challenges related to employment, amenities, and environment.

Is the Quality of Life Compromised in the Cheapest City?

The quality of life can be compromised in the cheapest city, but this varies based on individual preferences and specific factors. Cheaper cities often struggle with limited access to services, lower public investment, and fewer job opportunities. However, other elements, such as community and lifestyle amenities, can also play a significant role in determining quality of life.

For example, cities with lower living costs may offer affordable housing and basic amenities. However, they might lack advanced healthcare facilities, quality schools, and recreational options. In contrast, more expensive cities often provide better public services, but at a higher cost of living. In a city like Missoula, Montana, the cost of living is higher compared to cheaper options like Great Falls, which may have fewer services but lower overall expenses.

On the positive side, living in a cheaper city can result in significant savings. For instance, residents in low-cost cities often pay lower rents and enjoy reduced transportation costs. According to the Missouri Economic Research and Information Center, housing can be 30-40% less expensive in cheaper cities compared to national averages, offering families more financial flexibility.

On the negative side, cheaper cities may experience drawbacks like higher crime rates or fewer job opportunities. Research from NeighborhoodScout shows that some low-cost cities have significant safety concerns. This affects residents’ sense of security and overall satisfaction. Additionally, lower investment in infrastructure can lead to problems such as deteriorating roads and limited public transit.

To make the best decision, individuals should consider their priorities. If affordability is paramount, a cheaper city might be suitable, especially for those starting their careers or raising families. However, if access to services, job opportunities, and community engagement are crucial, investing in a more expensive city may provide better long-term benefits. It is essential to evaluate each city’s offerings, assess personal needs, and balance cost with quality of life factors.

What Other Affordable Cities in Montana Should Be Considered?

Several affordable cities in Montana should be considered for their low cost of living and quality of life.

Billings
Great Falls
Missoula
Helena
Bozeman
Kalispell

These cities offer a mix of economic opportunities, cultural experiences, and outdoor activities. However, the desirability of each city can vary based on personal preferences like lifestyle, access to amenities, and job market conditions.

Billings: Billings is Montana’s largest city. It serves as a regional economic hub. The city provides numerous job opportunities in sectors such as healthcare, education, and energy. According to the U.S. Census Bureau, the median home price in Billings is lower than the national average, making it an attractive alternative to larger cities.
Great Falls: Great Falls is known for its rich history and outdoor recreational options. It has a relatively low cost of living compared to other cities in Montana. The average renting price is significantly less than in cities like Bozeman, making it appealing for families and young professionals.
Missoula: Missoula is a vibrant college town with a strong cultural scene. Home to the University of Montana, it offers various recreational and cultural activities. While its rental prices can be higher than other affordable cities, the quality of life and educational opportunities make it worth considering.
Helena: Helena is the state capital and boasts a rich historical background. The cost of housing is generally affordable, and it offers a slower-paced lifestyle. According to data from Zillow, the median home price is relatively low, and the city has a lower unemployment rate compared to the national average.
Bozeman: Bozeman is well-known for its access to outdoor activities and is popular among tourists. Although it has a higher cost of living compared to other cities on this list, some individuals may find value in its strong job market and vibrant community.
Kalispell: Kalispell is located near Glacier National Park and attracts those who enjoy outdoor activities. It enjoys a growing economy due to tourism and local businesses. The cost of living is competitive, appealing to those seeking proximity to nature without the high costs found in larger cities.

In summary, affordable cities in Montana include Billings, Great Falls, Missoula, Helena, Bozeman, and Kalispell. Each city presents its unique advantages and varying lifestyle choices depending on individual preferences.

How Do These Alternatives Compare to the Cheapest City?

The alternatives to the cheapest city in Montana vary significantly in terms of cost, amenities, and overall livability. They often present a trade-off between affordability and quality of life.

Cost of Living: While the cheapest city has lower housing costs, alternatives may have higher expenses. For instance, the average rent in Missoula is about 20% greater than in the cheapest city, according to the 2023 Montana Real Estate Report.

Amenities: Cities like Billings and Bozeman offer more amenities and recreational activities. Billings has a variety of restaurants and shopping options, benefiting from its larger population. Bozeman, known for its outdoor access, ranks high in quality of life despite higher living expenses.

Job Opportunities: The job market in alternatives tends to be stronger. For example, Bozeman’s unemployment rate was 3.5% in 2023, lower than the average in the cheapest city, which was 4.5%, as reported by the Montana Department of Labor.

Education: Alternative cities often provide better educational resources. Schools in Bozeman consistently receive higher ratings, with a 9 out of 10 average on GreatSchools.org compared to an average of 6 in the cheapest city.

Healthcare: Access to healthcare can also differ; larger cities often have better facilities. Billings has two major hospitals, providing a range of medical services, whereas the cheapest city has limited healthcare options.

Safety: Crime rates vary. The cheapest city may have lower overall crime rates, but cities like Bozeman often provide improved community services that enhance safety and security perceptions.

In summary, while the cheapest city in Montana offers financial benefits, alternatives might present a more balanced lifestyle through enhanced amenities, job opportunities, and educational options. However, these benefits come with higher living costs.

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