Cost of Living in Whitefish, MT

Get 300+ Local Insights for Any Address in Whitefish, MT

Get Access to 300+ Local Data Points
F
29%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
93%
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 Whitefish Montana National
Cost of living129102100
Groceries105103100
Health care103102100
Housing193101100
Transportation98100100
Utilities102104100
Lifestyle & Entertainment103100100
Household Items99100100
Education & Childcare101102100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Whitefish, MT

property for sale

100 Whitefish Hills Dr

Whitefish, MT
property for sale

227 Fox Hollow Ln Unit B14

Whitefish, MT
property for sale

200 Whitefish Hills Dr

Whitefish, MT
property for sale

40 Hedman Ln

Whitefish, MT
See the Newest Homes For Sale In Whitefish, MT

Cost Of Living Quick Facts

  • The cost of living in Whitefish is 27% higher than the Montana average
  • The cost of living in Whitefish is 29% higher than the national average
  • Whitefish housing is 93% 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 Whitefish

See all the best places to live around Whitefish

Compare Whitefish, MT Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Whitefish?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Whitefish?
      Write a review to give others more information about this area.
      See all Whitefish poll results

      The best places in Montana

      Here are the best places to live in MontanaSafest Cities In The USMost Dangerous States In The USMost Dangerous Cities In The US
      Best Places in Montana

      Salary Calculator

      This is how much you would need to earn in
      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$104,102$8,675$2,429$3,123
      Renters$68,193$5,683$1,591$2,046
      A good indicator of the general affordability of housing in Whitefish, MT, 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, the median monthly income is $104,102 for those who own their own homes. Under the standard rule, that income level would allow for $2,429 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $68,193, per the median income in the area. That would allow for renters to spend up to $1,591 on monthly rental expenses.

      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.
      Olney, MT1161010.5%
      Hungry Horse, MT6698713.1%
      Martin City, MT3778910.8%
      Coram, MT3101032.5%
      Columbia Falls, MT5,8541044.0%
      Whitefish, MT8,33312929.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Monona, WI8,33411111.0%
      Downingtown, PA8,33111010.3%
      Fairwood CDP (Spokane County), WA8,33111313.4%
      Alliance, NE8,330919.1%
      Hempstead, TX8,329919.0%
      Whitefish, MT8,33312929.0%
      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.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026