Cost Of Living in Fort Smith, MT

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16%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

58%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Fort Smith	Montana	National
Cost of living	84	102	100
Groceries	102	103	100
Health care	103	102	100
Housing	42	101	100
Transportation	102	100	100
Utilities	107	104	100
Lifestyle & Entertainment	98	100	100
Household Items	100	100	100
Education & Childcare	103	102	100

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Homes For Sale In Fort Smith, MT

135 C ST ST

Fort Smith, MT

Cost Of Living Quick Facts

The cost of living in Fort Smith is 17% lower than the Montana average
The cost of living in Fort Smith is 16% lower than the national average
Fort Smith housing is 58% lower than the national average
Montana general sales tax is 100% lower than the national average
Montana state income tax is 61% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$69,625	$5,802	$1,624	$2,089
Renters	$0	$0	$0	$0

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%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
St. Xavier, MT	190	102	2.2%
Fort Smith, MT	164	84	15.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Five Points, AL	164	99	0.6%
Paradise CDP, CA	164	148	47.8%
Hasty, CO	164	88	11.6%
Pilot Mound, IA	164	78	22.5%
St. Charles, ID	164	100	0.3%
Fort Smith, MT	164	84	15.9%