Cost Of Living in Harlem, MT

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14%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

51%

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	Harlem	Montana	National
Cost of living	86	102	100
Groceries	104	103	100
Health care	102	102	100
Housing	49	101	100
Transportation	101	100	100
Utilities	105	104	100
Lifestyle & Entertainment	101	100	100
Household Items	99	100	100
Education & Childcare	106	102	100

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Cost Of Living Quick Facts

The cost of living in Harlem is 15% lower than the Montana average
The cost of living in Harlem is 14% lower than the national average
Harlem housing is 51% 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	$87,833	$7,319	$2,049	$2,635
Renters	$60,322	$5,027	$1,407	$1,810

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.
Fort Belknap Agency, MT	1,572	83	17.0%
Harlem, MT	893	86	13.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Alpaugh, CA	893	93	6.6%
Watkins, MN	893	87	13.0%
Notre-Dame-de-la-Merci, QC	893	n/a
Excel, AL	892	96	3.8%
Rancho Mesa Verde, AZ	892	86	13.8%
Harlem, MT	893	86	13.5%