Understanding the cost of living in Montana is essential for anyone planning to move to this picturesque state, whether you’re a student, professional, or just someone looking for a fresh start. With its mix of rural charm and urban amenities, Montana offers a unique lifestyle, but costs can vary widely depending on location, lifestyle, and personal preferences.
In this guide, we’ll explore the major expenses you need to consider in the overall cost of living in Montana for an individual and provide a breakdown of what you can expect in terms of housing, food, transportation, utilities, and other essential costs.
Cost of Living in Montana for A Student
The average cost of living in Montana is USD 2,030 per month for a single person, including rent. Without rent, it comes to USD 792, making Montana relatively affordable compared to other states in the U.S. The cost of living in Montana is approximately 9% lower than the national average.
In many regions, the cost varies depending on where you live—urban centers like Billings and Missoula will have higher expenses than smaller towns or rural areas. Below is summary in an image of the typical monthly cost of living in Montana you can expect for an individual.
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Costs of Accommodation in Montana
Rent is typically the most significant part of the cost of living in Montana for anyone moving here for higher studies. In urban areas like Billings or Missoula, the cost of renting a one-bedroom apartment in the city center can be as high as USD 1,210 per month. However, if you’re willing to live outside the hustle and bustle, you can find cheaper options.
- 1 bedroom apartment in city center: USD 1,210
- Cheap 1 bedroom apartment: USD 1,039
In more rural areas, you may find even lower rent, making Montana an affordable option for those looking to escape the city lifestyle. Montana provides various types of student accommodation in the USA according to their Budget.
Costs of Utilities in Montana
Utility costs are a key component of the cost of living in Montana, and they can have a significant impact on your monthly expenses. Electricity is one of the higher utility costs, with rates making Montana one of the more expensive states in the U.S. for power consumption.
Keep in mind that these expenses can vary based on whether you reside in a city or a rural area, as well as your individual spending habits. The table below highlights the estimated utility costs that students might face in Montana.
| Utility Type | Cost |
| One person utility bill that includes electricity, heating, water, etc. | USD 92.3 |
| Internet plan with 50 Mbps+ speed for 1-month. | USD 72.9 |
Costs of Food in Montana
Food expenses are a significant part of the cost of living in Montana, especially for students and young professionals. Whether you enjoy cooking at home or prefer dining out, understanding the typical prices for meals can help you manage your budget effectively.
Dining Out Costs
Dining out in Montana is relatively affordable. The average annual expenditure for dining out is around USD 2,966, which translates to approximately USD 247 per month. A simple meal at a mid-range restaurant typically costs around USD 22.77, making it one of the more budget-friendly states for eating out.
Typical Meal Prices in Montana
Here’s an overview of typical meal prices in Montana to help you better plan your dining budget:
- Inexpensive Restaurant Meal: Around USD 22.77
- Three-Course Meal for Two at a Mid-Range Restaurant: About USD 63.80
- Fast Food Meal (e.g., McDonald’s): Approximately USD 12.40
- Cappuccino: Around USD 5.08
These prices provide a general idea of what you can expect when dining in Montana, whether you’re eating out or cooking at home.
Grocery Costs in Montana
On average, individuals in Montana spend approximately USD 331 per month on groceries, or about USD 3,971 annually. This is slightly lower than the national average, meaning Montana residents typically spend 9% less on food compared to the average U.S. household.
Here’s a summary of average grocery expenses in Montana for those who plan to cook at home:
| Item | Approx Price |
| Milk (1 L) | USD 0.9 |
| Bread (0.5 kg) | USD 1 |
| Rice (1 kg) | USD 2.96 |
| Eggs (12) | USD 4.36 |
| Cheese (1 kg) | USD 3.32 |
| Apples (1 kg) | USD 13.8 |
| Bananas (1 kg) | USD 4.48 |
| Oranges (1 kg) | USD 1.62 |
| Tomatoes (1 kg) | USD 3.75 |
| Potatoes (1 kg) | USD 4.58 |
| Onions (1 kg) | USD 1.74 |
| Water (1 L) | USD 2.34 |
Transportation Cost in Montana
Transportation costs in Montana are a significant factor in the costs of living in Montana, as they vary based on location and transportation preferences. While public transportation is available in larger cities like Billings and Missoula, many residents in rural areas rely heavily on personal vehicles due to limited transit options.
Understanding the transportation expenses in Montana will help you better manage your budget and daily travel costs. Here’s a detailed overview of common transportation expenses in Montana to assist you in budgeting your travel costs efficiently:
| Transportation in Montana | Approx Cost |
| One way ticket for local transport | USD 2.77 |
| transport ticket for a month | USD 36.9 |
| Taxi ride for 8 km | USD 20.4 |
| Gas/petrol per lit. | USD 0.9 |
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Miscellaneous Costs in Montana
When planning a budget in Montana, it’s important to factor in miscellaneous expenses that contribute to your overall cost of living in Montana. These expenses cover a wide array of daily and occasional costs that go beyond basic needs such as housing, utilities, and groceries.
To ensure you are financially prepared for life in Montana, here’s a detailed breakdown of typical miscellaneous expenses you may encounter. The table below outlines typical miscellaneous expenses in Montana. Please have a look!
| Miscellaneous | Approx Cost |
| Movie Ticket | USD 12.9 |
| Gym Membership | USD 49.9 |
| Brand Jeans | USD 58.1 |
| Brand Sneakers | USD 89.7 |
| Doctor’s visit | USD 106 |
Cost of Studying in Montana for Students
Studying in Montana can be an exciting and rewarding experience, offering a mix of top-tier education and breathtaking natural beauty. The cost of living in Montana is heavily influenced by tuition fees, which vary depending on the program and institution. Let’s break down the various costs associated with studying in Montana, from tuition fees to insurance.
- Undergraduate Programs: The estimated total cost for international students at the University of Montana for the 2024-2025 academic year is about USD 54,812 per year. This includes tuition, fees, on-campus housing, and meals.
- Graduate Programs: For graduate students at Montana State University, tuition and fees for a 30-credit program average USD 35,710 per year for international students who are not offered assistantships.
Health Insurance and Additional Costs in Montana
International students are required to have health insurance. The University of Montana provides an insurance plan for approximately USD 2,800 per semester. Additionally, books and supplies cost approximately USD 1,000 per year for textbooks and materials.
Cost of Living in Montana vs Others States
The cost of living in Montana for an individual remains relatively moderate compared to many other U.S. cities. While states like Ohio and Michigan are more affordable, others like California, Florida, and Washington State have significantly higher living expenses. This makes Montana an appealing choice for individuals seeking a balanced cost of living combined with a serene environment.
Let’s now take a closer look at how the cost of living in Montana compares with other states of USA:
Cost of Living in Montana vs Texas
The cost of living in Texas is USD 2,141, which is slightly higher than in Montana by about USD 111. While housing and transportation may be cheaper in Montana, Texas offers a more urbanized lifestyle with slightly higher living costs.
Cost of Living in Montana vs Florida
Cost of Living in Florida is USD 2,518, which is USD 488 higher than in Montana. This difference can be attributed to Florida’s higher housing and lifestyle expenses, especially in tourist-friendly cities like Miami and Orlando.
Cost of Living in Montana vs California
Cost of Living in California is significantly higher at USD 2,918, exceeding Montana’s by USD 888. Housing costs in California, particularly in cities like Los Angeles and San Francisco, are major contributors to this disparity.
Cost of Living in Montana vs Oregon
Cost of living in Oregon is USD 2,357, making it USD 327 higher than Montana. Oregon’s higher housing and transportation costs drive this increase, despite its reputation for natural beauty and outdoor living.
Cost of Living in Montana vs Colorado
The cost of living in Colorado averages USD 2,500, which is USD 470 higher than Montana. This is due to higher housing and utility expenses in Colorado’s urban centers like Denver and Boulder.
Cost of Living in Montana vs Ohio
The cost of living in Ohio is USD 1,914, making it USD 116 lower than in Montana. Ohio offers a more affordable lifestyle, with lower housing and food costs in cities like Columbus and Cincinnati.
Cost of Living in Montana vs Michigan
The cost of living in Michigan is USD 1,945, which is USD 85 lower than in Montana. Michigan’s affordability comes from its relatively low housing and transportation costs.
Cost of Living in Montana vs Georgia
The cost of living in Georgia is USD 2,196, which is USD 166 higher than Montana. Urban areas like Atlanta contribute to Georgia’s slightly higher expenses, especially in housing and transportation.
Cost of Living in Montana vs Washington State
The cost of living in Washington State is USD 2,551, making it USD 521 higher than Montana. The difference is driven by Washington’s high housing costs in cities like Seattle and Bellevue.
Cost of Living in Montana vs Minnesota
The cost of living in Minnesota is USD 2,227, which is USD 197 higher than in Montana. The slightly higher expenses come from increased housing and healthcare costs in cities like Minneapolis.
How to Manage Cost of Living in Montana for Students
Living in Montana as an international student is an incredible experience, but managing costs can be challenging if you’re on a tight budget. Here are some practical tips to help students manage the cost of living in Montana effectively:
1. Choose Affordable Housing Options
- Opt for on-campus housing if available, as it is often cheaper and more convenient.
- If you prefer off-campus housing, share an apartment with roommates to split rent and utility costs.
- Look for housing slightly outside city centers, where rent tends to be lower, helping you reduce the cost of living in Montana.
2. Cook Your Own Meals
- Avoid eating out frequently, as restaurant meals can quickly add up.
- Shop for groceries at budget-friendly stores like Walmart, Costco, or local farmers’ markets.
- Planning meals and cooking in bulk not only saves time but also significantly reduces the cost of living in Montana for students.
3. Use Public Transportation or Carpool
- Public transportation in Montana is limited, but some cities offer bus services. Take advantage of student discounts.
- If you need a car, consider carpooling with friends to save on fuel costs.
- Use a bicycle or walk for short distances, which is a great way to cut down on the cost of living in Montana while staying active.
4. Take Advantage of Student Discounts
- Many local businesses, gyms, movie theaters, and even public transport systems offer student discounts. Always carry your student ID and ask if discounts are available.
- Check for student deals on software, technology, and subscriptions (e.g., Spotify, Amazon Prime Student). These small savings can help offset the cost of living in Montana.
5. Find a Part-Time Job
- Look for on-campus jobs such as library assistant, teaching assistant, or working in the cafeteria. These roles are usually flexible with your study schedule.
- Check for off-campus opportunities that comply with your visa regulations. Part-time work can help cover expenses like food, transportation, or personal needs, making the cost of living in Montana more manageable.
6. Budget Your Expenses
- Create a monthly budget to track your spending. Categorize expenses into housing, food, transportation, entertainment, and savings.
- Use budgeting apps like Mint or You Need a Budget (YNAB) to stay on top of your finances and keep the cost of living in Montana under control.
7. Buy Second-Hand or Borrow
- Purchase textbooks and study materials second-hand or rent them from the library whenever possible.
- Look for second-hand furniture, appliances, and clothing at thrift stores or through community platforms like Facebook Marketplace to reduce the cost of living in Montana.
8. Be Smart About Entertainment
- Take advantage of free or low-cost activities like hiking, exploring Montana’s beautiful landscapes, or attending free campus events.
- Limit your spending on nightlife and dining out by finding affordable alternatives like potlucks with friends or movie nights at home.
9. Minimize Utility Costs
- Share utilities (electricity, internet, etc.) with roommates to reduce individual expenses.
- Be mindful of energy use: turn off lights, unplug devices, and use heating or cooling efficiently to lower the cost of living in Montana.
10. Apply for Scholarships and Financial Aid
- Research and apply for scholarships or grants specifically for international students.
- Check if your university offers emergency funds or need-based financial aid, which can help you manage the cost of living in Montana more effectively.
While the cost of living in Montana can feel high, careful planning and smart financial habits can help you manage expenses without compromising your quality of life. By budgeting wisely, taking advantage of student perks, and being resourceful, you can enjoy your time as a student in Montana while staying within your means.
By following these tips, you can effectively manage your cost of living in Montana and maintain a comfortable lifestyle while keeping your finances in check. For booking the best student accommodation abroad to start your study abroad experience you can contact Fly Homes at 1800572118.
FAQS on Cost of Living in Montana
The average cost of living in Montana for a student is around USD 2,030 in a month, which includes expenses such as rent, utilities, and food. If rent is excluded, the monthly cost drops to approximately USD 792.
Living in Montana can be considered moderately expensive, with an average monthly cost USD 2,030 including rent. The cost of living in Montana is higher than in some other U.S. states but offers a good quality of life in return.
To live in Montana comfortably, an individual would need about USD 2,030 per month, covering essentials like rent, food, and transportation. This figure represents a reasonable monthly cost of living in Montana for individuals.
While Montana offers a great lifestyle, it’s not considered the most affordable state, with an average cost of living in Montana of USD 2,030 per month for one person. This makes it more expensive than many other parts of the U.S.
Rent in Montana varies depending on the location. A bedroom apartment in the city center typically costs USD 1,210 per month, while a cheaper bedroom apartment outside the center costs around USD 1,039. Utilities add about USD 92.3 to the total housing cost.
Utility costs in Montana, which include electricity, heating, water, and waste management, typically amount to USD 92.3 per month. A 50 Mbps+ internet plan will add about USD 72.9 to the monthly expenses.
Food costs in Montana average around USD 588 per month for an individual. The price can fluctuate depending on whether you cook at home or dine out, with groceries being a significant part of the overall cost of living in Montana.
Transportation in Montana is affordable, with local transport tickets priced at USD 2.77 per ride and monthly passes available for USD 36.9. For those using taxis, an 8 km ride costs about USD 20.4, while gasoline is priced at USD 0.9 per liter.
Dining out in Montana can vary. A typical lunch menu costs around USD 17.4, while a dinner for two averages USD 63.8. If you’re looking for a quick meal, a fast food option is around USD 12.4, contributing to the overall cost of living in Montana.
Grocery costs in Montana include items like milk (1L) for USD 1, bread (0.5kg) at USD 2.96, and eggs (12) for USD 3.32. These common items add to the overall cost of living in Montana, particularly for individuals who prefer cooking at home.
For those interested in fitness or leisure activities, the cost of living in Montana includes gym memberships at about USD 49.9 per month, cinema tickets at USD 12.9, and haircuts for around USD 16.90. These expenses should be considered when budgeting.
Miscellaneous expenses, such as a visit to the doctor (approximately USD 106) or purchasing branded clothes like jeans (USD 58.10) or sneakers (USD 89.70), can add to your monthly budget, contributing to the overall cost of living in Montana.
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