Montana · Census, HUD and BEA figures · Updated

Cost of Living in Missoula County, MT

Prices around Missoula County, MT run 3.6% below the U.S. average (BEA, the metro area). The typical household there earns $75,598 a year, and HUD puts a two-bedroom at $1,655 a month. Keeping that rent under 30% of income takes about $66,200 a year.

Missoula County, MT at a glance

Median household income

$75,598$6,300 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,655HUD FY2026 Fair Market Rent
Price level (U.S. = 100)96.4-3.6% · BEA, the metro area
Electricity15.1¢per kWh · EIA Residential MT
Population120,672Census ACS 5-year estimate

How much rent can you afford in Missoula County, MT?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,655Monthly market rent
Share of gross income26.3%Recommended max: 30%
Annual income needed$66,200To meet the 30% standard
Max affordable rent$1,890At 30% of $75,598
0%30% (Affordability standard)100%
Compare against:

How much is rent in Missoula County, MT? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Missoula, MT HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Missoula County, MT, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,143$13,716$45,72018.1%
1-Bedroom Apartment$1,400$16,800$56,00022.2%
2-Bedroom ApartmentBenchmark$1,655$19,860$66,20026.3%
3-Bedroom Home$2,302$27,624$92,08036.5%
4-Bedroom Home$2,776$33,312$111,04044.1%

Rent in Missoula County, MT, with the wage each unit needs →

What a typical income covers in Missoula County, MT

The 50/30/20 rule applied to the local median of $75,598 a year ($6,300 a month before tax).

Needs (50%)$3,150/moRent ($1,655 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$1,890/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,260/moEmergency fund, retirement, paying down loans

What $75,598 leaves after Montana taxes

Federal income tax, Social Security, Medicare and Montana tax on the local median income. Change the salary to see yours.

$75,598
$30,000$155,000
Filing status:
Gross salary breakdown$75,598
Net 78%
Fed 10%
MT 4%
FICA 8%
Annual take-home$59,103After all taxes
Monthly deposit$4,925Estimated per month
Biweekly paycheck$2,273Every 2 weeks (26/yr)
Effective tax rate21.8%Total tax burden
Federal income tax$7,802 / yr
Montana state income tax$2,910 / yr
FICA (Social Security & Medicare)$5,783 / yr

Living in Missoula County, MT: common questions

What is the median household income in Missoula County, MT?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Missoula County, MT is $75,598 per year (approximately $6,300 per month).

What is the average rent in Missoula County, MT?

The closest official figure is HUD's Fair Market Rent for 2026: $1,143 for a studio, $1,400 for one bedroom, $1,655 for two, $2,302 for three and $2,776 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Missoula County, MT expensive to live in?

Prices there run 3.6% below the U.S. average. BEA's regional price parity for the metro area is 96.4, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Missoula County, MT?

To keep a $1,655 two-bedroom under 30% of gross income, a household needs about $66,200 a year, or $5,517 a month. That is 88% of what the typical household in Missoula County, MT earns.

How much do you need to live comfortably in Missoula County, MT?

On the local median income of $75,598 ($6,300 a month before tax), the 50/30/20 rule leaves $3,150 a month for needs like rent, utilities and groceries, $1,890 for everything else and $1,260 for savings or debt. A two-bedroom at $1,655 takes 53% of the needs share.

How much is the electric bill in Missoula County, MT?

Homes in Montana paid 15.1¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $136. Your bill depends mostly on heating and cooling.