Havre cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexHavreMontanaNational
Cost of living index9098100
IndexHavreMontanaNational
Goods & Services index101101100
Groceries index101101100
Health care index106106100
Housing index7197100
Transportation index9494100
Utilities index8686100
A general summary of the cost of living index in Havre, MT is shown above. Compared to the state average of Montana the cost of living index in Havre, MT is 90, which is 8% lower than the average in Montana and compared to the national average it is 10% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Havre, MT goods and services come in at equal to the average in Montana and are 1% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Havre is 8% lower than the Montana average.
  • The cost of living in Havre is 10% lower than the national average.
  • The cost of housing in Havre is 29% lower than the national average.
  • Montana general sales tax is 100% lower than the national average.
  • Montana state income tax is 55% lower than the national average.

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Compare Havre, MT Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Havre, MT would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Havre, MT, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Havre, MT salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$55,188$4,599$1,288$1,656
Renters$19,289$1,607$450$579
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Havre, MT, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Havre, MT homeowners have a median income of $55,188. Using that number, you will come up with a maximum of $1,288 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $19,289, which means there is a maximum of $450 to be spent on the costs of renting a home or apartment.

Montana Sales Tax

StateGeneral Sales TaxWith Max Surtax
Montana0%0%

Montana Income Tax

StateIncome Tax (Low)Income Tax (High)
Montana1%6.9%
For those who live in Havre, MT and want to know what the true cost of living is, they ought to look at both the Montana income tax rate and the Montana sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Montana, the sales tax is 0%, while the most you'll pay in surtax is 0%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Montana, the income tax rate ranges between 1% to 6.9%.

Goods & Services

ItemHavreNational avg.Difference
Haircut $13.33$14.598.7%
Beauty Salon $39.00$34.6812.5%
Toothpaste $2.83$2.4714.4%
Shampoo $1.08$1.025.7%
Movie $10.25$9.873.9%
Bowling $3.75$4.3914.6%

Groceries

ItemHavreNational avg.Difference
Ground Beef $3.79$4.4815.3%
Fried Chicken $1.62$1.4610.7%
Milk $2.36$2.360.1%
Potatoes $3.49$3.0614.0%
Pizza $8.99$9.242.7%
Beer $8.86$8.632.6%

Health Care

ItemHavreNational avg.Difference
Optometrist $106.20$99.786.4%
Doctor $126.50$105.0320.4%
Dentist $84.33$88.704.9%
Ibuprofen $10.99$9.4116.8%
Lipitor $301.41$298.501.0%

Housing

ItemHavreNational avg.Difference
Home Price $133,100.00$175,700.0024.2%
Avg. Mortgage Payment $1,257.70$1,081.0316.3%
Apartment Rent $546.00$920.0040.7%

Transportation

ItemHavreNational avg.Difference
Gasoline $2.00$2.094.4%
Tire Balancing $39.75$45.2912.2%

Utilities

ItemHavreNational avg.Difference
All Electricity$150.35$170.8012.0%
Phone $23.35$28.2617.4%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Havre North, MT78587-13%
Herron, MT5396-4%
Beaver Creek, MT3961000%
West Havre, MT811066%
Saddle Butte, MT17213535%
Havre, MT9,66890-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Glenwood Springs, CO9,66813131%
White Marsh, MD9,67111313%
Waihee-Waiehu, HI9,66316565%
Holly Springs, GA9,6781055%
Brownfield, TX9,67878-22%
Havre, MT9,66890-10%
Source: The Havre, MT cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.