Cost of Living in Lincoln County, Montana
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Lincoln County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Lincoln County, Montana
Lincoln County renters face steep affordability
Lincoln County's 20.7% rent-to-income ratio far exceeds both the national benchmark (15%) and Montana's state average (15.9%), making it one of Montana's least affordable rental markets. Renters earning the county median of $47,018 spend $810 monthly—a hefty 20.7% of their income—on housing.
Among Montana's worst for renters
At 20.7%, Lincoln County's rent-to-income ratio ranks well above the state average, placing it among the most challenging markets for renters statewide. This northwest county struggles with a combination of elevated rents relative to its lower median income of $47,018, the lowest among these eight counties.
More expensive than similar western counties
Lincoln County's $810 rent exceeds nearby Liberty County ($668) and McCone County ($543), yet falls short of the higher costs in Madison County ($1,159) and Missoula County ($1,125). Its affordability crisis stems from limited local income opportunities rather than premium housing demand.
Housing dominates tight household budgets
Renters earning the median $47,018 annually dedicate nearly $9,720 to rent, consuming more than one-fifth of gross income before taxes and other expenses. Homeowners paying $681 monthly ($8,172 yearly) fare slightly better, but both groups experience serious housing cost burdens given the county's limited wage base.
Relocate only with secured income gains
Lincoln County's 20.7% rent-to-income ratio signals serious affordability strain—only consider moving here if you're bringing higher income (remote work, relocation package) or can live with family. Compare your household income carefully; those earning significantly above the $47,018 median will fare better.
Affordability Calculator
See how your income compares to housing costs in Lincoln County
Rent Burden
20.7%
of gross income
Max Housing (28% Rule)
$1,097
per month
Owner Cost Burden
17.4%
of gross income
The median home in Lincoln County may be a stretch
Median home value is $258,700. Estimated monthly cost: $2,065 vs. your max of $1,097.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.