Montana · Census, HUD and BEA figures · Updated

Cost of Living in Pondera County, MT

Prices around Pondera County, MT run 5.4% below the U.S. average (BEA, Montana). The typical household there earns $52,338 a year, and HUD puts a two-bedroom at $1,254 a month. Keeping that rent under 30% of income takes about $50,160 a year.

Pondera County, MT at a glance

Median household income

$52,338$4,362 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,254HUD FY2026 Fair Market Rent
Price level (U.S. = 100)94.6-5.4% · BEA, Montana
Electricity15.1¢per kWh · EIA Residential MT
Population6,035Census ACS 5-year estimate

How much rent can you afford in Pondera 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$1,254Monthly market rent
Share of gross income28.8%Recommended max: 30%
Annual income needed$50,160To meet the 30% standard
Max affordable rent$1,308At 30% of $52,338
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in Pondera County, MT, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$940$11,280$37,60021.6%
1-Bedroom Apartment$1,144$13,728$45,76026.2%
2-Bedroom ApartmentBenchmark$1,254$15,048$50,16028.8%
3-Bedroom Home$1,619$19,428$64,76037.1%
4-Bedroom Home$1,892$22,704$75,68043.4%

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

What a typical income covers in Pondera County, MT

The 50/30/20 rule applied to the local median of $52,338 a year ($4,362 a month before tax).

Needs (50%)$2,181/moRent ($1,254 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$1,308/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$872/moEmergency fund, retirement, paying down loans

What $52,338 leaves after Montana taxes

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

$52,338
$20,000$105,000
Filing status:
Gross salary breakdown$52,338
Net 81%
Fed 8%
MT 3%
FICA 8%
Annual take-home$42,530After all taxes
Monthly deposit$3,544Estimated per month
Biweekly paycheck$1,636Every 2 weeks (26/yr)
Effective tax rate18.7%Total tax burden
Federal income tax$4,101 / yr
Montana state income tax$1,703 / yr
FICA (Social Security & Medicare)$4,004 / yr

Living in Pondera County, MT: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Pondera County, MT is $52,338 per year (approximately $4,362 per month).

What is the average rent in Pondera County, MT?

The closest official figure is HUD's Fair Market Rent for 2026: $940 for a studio, $1,144 for one bedroom, $1,254 for two, $1,619 for three and $1,892 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 Pondera County, MT expensive to live in?

Prices there run 5.4% below the U.S. average. BEA's regional price parity for Montana is 94.6, 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 Pondera County, MT?

To keep a $1,254 two-bedroom under 30% of gross income, a household needs about $50,160 a year, or $4,180 a month. That is 96% of what the typical household in Pondera County, MT earns.

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

On the local median income of $52,338 ($4,362 a month before tax), the 50/30/20 rule leaves $2,181 a month for needs like rent, utilities and groceries, $1,308 for everything else and $872 for savings or debt. A two-bedroom at $1,254 takes 58% of the needs share.

How much is the electric bill in Pondera 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.