Whitefish 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.
IndexWhitefishMontanaNational
Cost of living index10498100
IndexWhitefishMontanaNational
Goods & Services index95101100
Groceries index92101100
Health care index114106100
Housing index12897100
Transportation index9394100
Utilities index8186100
Displayed above is a general overview of the Whitefish, MT cost of living index. The overall cost of living index in Whitefish, MT is 104, which is 6% higher than the Montana average and 4% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Whitefish, MT are 6% lower than the Montana average and 5% lower than the national average.

Did you know?

  • The cost of living in Whitefish is 6% higher than the Montana average.
  • The cost of living in Whitefish is 4% higher than the national average.
  • The cost of housing in Whitefish is 28% higher 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 Whitefish, 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 is used in order to provide a comparison of your current salary in Whitefish, MT to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Whitefish, MT, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Whitefish, MT salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$64,635$5,386$1,508$1,939
Renters$24,102$2,009$562$723
If you want to find a good determining factor for the cost of living and the general affordability of housing in Whitefish, MT, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Whitefish, MT, the median monthly income is $64,635 for those who own their own homes. Under the standard rule, that income level would allow for $1,508 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $24,102, per the median income in the area. That would allow for renters to spend up to $562 on monthly rental expenses.

Montana Sales Tax

StateGeneral Sales TaxWith Max Surtax
Montana0%0%

Montana Income Tax

StateIncome Tax (Low)Income Tax (High)
Montana1%6.9%
The Montana sales tax and Montana income tax rates should definitely be considered when determining the overall cost of living in Whitefish, MT. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Montana sales tax is 0% and the maximum surtax is 0%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Montana income tax rates range from 1% to 6.9%.

Goods & Services

ItemWhitefishNational avg.Difference
Haircut $14.60$14.590.0%
Beauty Salon $35.00$34.680.9%
Toothpaste $2.96$2.4719.7%
Shampoo $1.25$1.0222.3%
Movie $10.50$9.876.4%
Bowling $4.64$4.395.7%

Groceries

ItemWhitefishNational avg.Difference
Ground Beef $4.08$4.488.9%
Fried Chicken $1.40$1.464.4%
Milk $2.02$2.3614.3%
Potatoes $1.62$3.0647.1%
Pizza $9.37$9.241.4%
Beer $9.44$8.639.3%

Health Care

ItemWhitefishNational avg.Difference
Optometrist $122.74$99.7823.0%
Doctor $136.86$105.0330.3%
Dentist $96.20$88.708.5%
Ibuprofen $10.00$9.416.2%
Lipitor $311.32$298.504.3%

Housing

ItemWhitefishNational avg.Difference
Home Price $265,100.00$175,700.0050.9%
Avg. Mortgage Payment $971.74$1,081.0310.1%
Apartment Rent $674.00$920.0026.7%

Transportation

ItemWhitefishNational avg.Difference
Gasoline $1.73$2.0917.1%
Tire Balancing $55.33$45.2922.2%

Utilities

ItemWhitefishNational avg.Difference
All Electricity$141.93$170.8016.9%
Phone $22.01$28.2622.1%
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.
Hungry Horse, MT89880-20%
Olney, MT19884-16%
Coram, MT56091-9%
Evergreen, MT6,71191-9%
Martin City, MT46891-9%
Whitefish, MT6,5421044%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Pocahontas, AR6,54377-23%
Pollock Pines, CA6,54012424%
Aquia Harbour, VA6,54413131%
Fort Myers Beach, FL6,53912525%
Corry, PA6,54677-23%
Whitefish, MT6,5421044%
Source: The Whitefish, MT cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.