Cost Of Living in Havre, MT

A+

9%

Overall NAT. AVG.

10%

Goods & Services NAT. AVG.

15%

Housing NAT. AVG.

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	Havre	Montana	National
Cost of living	91	101	100
Goods & Services	90	104	100
Groceries	100	103	100
Health care	93	98	100
Housing	85	99	100
Transportation	103	109	100
Utilities	93	93	100

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Cost Of Living Quick Facts

The cost of living in Havre is 10% lower than the Montana average
The cost of living in Havre is 9% lower than the national average
Havre housing is 15% lower 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

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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	$63,094	$5,258	$1,472	$1,893
Renters	$28,919	$2,410	$675	$868

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Havre, MT, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Havre, homeowners have a median income of $63,094. Using that number, a maximum of $1,472 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $28,919, which means there is a maximum of $675 to be spent on the costs of renting a home or apartment.

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	Havre	National avg.	Difference
Haircut	$15.71	$24.26	35.2%
Beauty Salon	$37.87	$45.56	16.9%
Toothpaste	$4.19	$3.70	13.3%
Shampoo	$1.16	$1.28	9.2%
Movie	$12.99	$12.13	7.1%
Bowling	$16.78	$18.00	6.8%

Groceries

Item	Havre	National avg.	Difference
Ground Beef	$6.31	$5.84	8.0%
Fried Chicken	$1.59	$1.57	1.2%
Milk	$4.55	$4.67	2.5%
Potatoes	$4.61	$4.93	6.5%
Pizza	$12.03	$12.09	0.5%
Beer	$10.57	$10.41	1.5%

Health Care

Item	Havre	National avg.	Difference
Optometrist	$105.94	$125.68	15.7%
Doctor	$115.67	$135.78	14.8%
Dentist	$112.63	$113.29	0.6%
Ibuprofen	$10.57	$10.65	0.7%
Lipitor	$444.64	$468.60	5.1%

Housing

Item	Havre	National avg.	Difference
Home Price	$163,300.00	$184,700.00	11.6%
Avg. Mortgage Payment	$1,553.45	$2,346.69	33.8%
Apartment Rent	$735.00	$949.00	22.6%

Transportation

Item	Havre	National avg.	Difference
Gasoline	$3.37	$3.46	2.5%
Tire Balancing	$69.17	$59.92	15.4%

Utilities

Item	Havre	National avg.	Difference
All Electricity	$176.82	$193.99	8.9%
Phone	$182.36	$192.25	5.1%

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	Population	Cost of Living Index	National Avg.
Herron, MT	188	94	5.9%
Havre North, MT	593	80	20.4%
Beaver Creek, MT	424	102	1.5%
Saddle Butte, MT	101	111	10.5%
West Havre, MT	130	134	33.8%
Havre, MT	9,739	91	8.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Dunn, NC	9,738	91	8.8%
North Gates, NY	9,740	93	7.5%
Uniontown, PA	9,740	83	17.4%
Lake Arrowhead, CA	9,741	132	32.1%
Pike Road, AL	9,745	112	12.0%
Havre, MT	9,739	91	8.6%