Montana · Census, HUD and BEA figures · Updated

Cost of Living in Silver Bow County, MT

Prices around Silver Bow County, MT run 5.4% below the U.S. average (BEA, Montana). The typical household there earns $61,754 a year, and HUD puts a two-bedroom at $1,414 a month. Keeping that rent under 30% of income takes about $56,560 a year.

Silver Bow County, MT at a glance

Median household income

$61,754$5,146 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,414HUD FY2026 Fair Market Rent
Price level (U.S. = 100)94.6-5.4% · BEA, Montana
Electricity15.1¢per kWh · EIA Residential MT
Population35,785Census ACS 5-year estimate

How much rent can you afford in Silver Bow 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$1,414Monthly market rent
Share of gross income27.5%Recommended max: 30%
Annual income needed$56,560To meet the 30% standard
Max affordable rent$1,544At 30% of $61,754
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in Silver Bow County, MT, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,028$12,336$41,12020%
1-Bedroom Apartment$1,149$13,788$45,96022.3%
2-Bedroom ApartmentBenchmark$1,414$16,968$56,56027.5%
3-Bedroom Home$1,967$23,604$78,68038.2%
4-Bedroom Home$2,180$26,160$87,20042.4%

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

What a typical income covers in Silver Bow County, MT

The 50/30/20 rule applied to the local median of $61,754 a year ($5,146 a month before tax).

Needs (50%)$2,573/moRent ($1,414 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$1,544/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,029/moEmergency fund, retirement, paying down loans

What $61,754 leaves after Montana taxes

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

$61,754
$20,000$125,000
Filing status:
Gross salary breakdown$61,754
Net 80%
Fed 8%
MT 3%
FICA 8%
Annual take-home$49,654After all taxes
Monthly deposit$4,138Estimated per month
Biweekly paycheck$1,910Every 2 weeks (26/yr)
Effective tax rate19.6%Total tax burden
Federal income tax$5,230 / yr
Montana state income tax$2,146 / yr
FICA (Social Security & Medicare)$4,724 / yr

Living in Silver Bow County, MT: common questions

What is the median household income in Silver Bow County, MT?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Silver Bow County, MT is $61,754 per year (approximately $5,146 per month).

What is the average rent in Silver Bow County, MT?

The closest official figure is HUD's Fair Market Rent for 2026: $1,028 for a studio, $1,149 for one bedroom, $1,414 for two, $1,967 for three and $2,180 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 Silver Bow 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 Silver Bow County, MT?

To keep a $1,414 two-bedroom under 30% of gross income, a household needs about $56,560 a year, or $4,713 a month. That is 92% of what the typical household in Silver Bow County, MT earns.

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

On the local median income of $61,754 ($5,146 a month before tax), the 50/30/20 rule leaves $2,573 a month for needs like rent, utilities and groceries, $1,544 for everything else and $1,029 for savings or debt. A two-bedroom at $1,414 takes 55% of the needs share.

How much is the electric bill in Silver Bow 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.