A-
8%
Overall NAT. AVG.
0%
Goods & Services NAT. AVG.
17%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Kalispell Montana National
Cost of living108101100
Goods & Services100104100
Groceries111103100
Health care11298100
Housing11799100
Transportation118109100
Utilities9793100

An Overview of Cost of Living in Kalispell, MT

The cost of living in Kalispell affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Kalispell is 108, which is 8% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Everyday expenditures like food, housing, goods and services, transportation and health care in Kalispell are priced in a manner consistent with other areas. This means that residents of Kalispell can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Kalispell is even less favorable, with grocery prices here being 10.8% higher than the national average.

What Do Locals Say About the Cost of Living in Kalispell?

The real experts on a city are its residents. That's why we reached out to 5 locals to get their views on the cost of living in Kalispell. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 40% found it budget-friendly with decreasing prices, while 60% said it's simply not affordable as prices have continued to rise.

Is Kalispell Affordable?

Is Kalispell an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Kalispell is 31.3% higher than the national average, while the average monthly rent prices are 15.7% lower than average. The affordability of any location can also be influenced by median income levels. Kalispell has a median household income of $47,750, which is 13.7% lower than the national average.

What Factors can Influence the Cost of Living in Kalispell?

Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Kalispell, the transportation index is 17.5% higher than the national average.

Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas with fewer subsidy offerings might experience an elevation in their cost of living.

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Kalispell, the utilities index registers 3.1% lower than the national average.

Where is the Data From?

The Kalispell cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Kalispell is 7% higher than the Montana average
  • The cost of living in Kalispell is 8% higher than the national average
  • Kalispell housing is 17% higher than the national average
  • Montana general sales tax is 100% lower than the national average
  • Montana state income tax is 56% lower than the national average

Most Affordable Places to Live in and Around Kalispell

See all the best places to live around Kalispell

Compare Kalispell, MT Cost of Living

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      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

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$69,896$5,825$1,631$2,097
      Renters$30,114$2,510$703$904
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Kalispell, MT, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Kalispell homeowners, is $69,896. This would allow for a maximum of $1,631 per month to be spent on housing costs. For renters, the median monthly income is $30,114 which would result in a maximum of $703 to be spent on rental costs.

      Montana Sales Tax

      State General Sales Tax With Max Surtax
      Montana 0% 0%

      Montana Income Tax

      State Income Tax (Low) Income Tax (High)
      Montana 1% 6.75%

      Goods & Services

      Item Kalispell National avg. Difference
      Haircut $27.83$24.2614.7%
      Beauty Salon $51.82$45.5613.7%
      Toothpaste $3.72$3.700.4%
      Shampoo $1.29$1.280.6%
      Movie $14.89$12.1322.7%
      Bowling $23.19$18.0028.8%

      Groceries

      Item Kalispell National avg. Difference
      Ground Beef $6.17$5.845.7%
      Fried Chicken $2.22$1.5741.0%
      Milk $4.92$4.675.3%
      Potatoes $4.89$4.930.9%
      Pizza $11.23$12.097.1%
      Beer $11.57$10.4111.1%

      Health Care

      Item Kalispell National avg. Difference
      Optometrist $165.73$125.6831.9%
      Doctor $168.55$135.7824.1%
      Dentist $118.01$113.294.2%
      Ibuprofen $11.49$10.657.9%
      Lipitor $477.18$468.601.8%

      Housing

      Item Kalispell National avg. Difference
      Home Price $242,500.00$184,700.0031.3%
      Avg. Mortgage Payment $2,282.29$2,346.692.7%
      Apartment Rent $800.00$949.0015.7%

      Transportation

      Item Kalispell National avg. Difference
      Gasoline $4.30$3.4624.2%
      Tire Balancing $60.58$59.921.1%

      Utilities

      Item Kalispell National avg. Difference
      All Electricity $178.20$193.998.1%
      Phone $201.25$192.254.7%
      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 Population Cost of Living Index National Avg.
      Hungry Horse, MT6508218.4%
      Forest Hill Village, MT998317.4%
      Martin City, MT3698416.0%
      Batavia, MT4801000.5%
      Coram, MT302973.1%
      Kalispell, MT23,9351088.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Freeport, IL23,9308020.4%
      Port St. John, FL23,9401000.1%
      Ponca City, OK23,9408218.4%
      Saint-Lin--Laurentides, QC23,910n/a 
      South Plainfield, NJ23,96113131.4%
      Kalispell, MT23,9351088.5%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.