Cost of Living in Gardiner, MT

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B-
15%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
49%
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 Gardiner Montana National
Cost of living115102100
Groceries102103100
Health care100102100
Housing149101100
Transportation99100100
Utilities104104100
Lifestyle & Entertainment102100100
Household Items101100100
Education & Childcare97102100
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Homes For Sale In Gardiner, MT

property for sale

23 Hanlon Hill Dr

Gardiner, MT
property for sale

320 Spring St Unit 311 Water St

Gardiner, MT
property for sale

1065 US Highway 89 S

Gardiner, MT
property for sale

305 Spring St

Gardiner, MT

Cost Of Living Quick Facts

  • The cost of living in Gardiner is 13% higher than the Montana average
  • The cost of living in Gardiner is 15% higher than the national average
  • Gardiner housing is 49% higher 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

Most Affordable Places to Live in and Around Gardiner

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$107,492$8,958$2,508$3,225
      Renters$70,062$5,839$1,635$2,102

      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.
      Jardine, MT421010.9%
      Mammoth, WY851010.9%
      Corwin Springs, MT1127920.9%
      Gardiner, MT91511515.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Papaikou, HI91513029.6%
      Rockaway Beach, MO9158316.7%
      New Waterford, OH9158118.5%
      Lemont Furnace, PA9157920.8%
      Argyle, WI9158514.5%
      Gardiner, MT91511515.2%
      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.
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