Cost of Living in Phillips County, Montana
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Phillips County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Phillips County, Montana
Phillips County offers Montana's best rental value
Phillips County's rent-to-income ratio of just 12.9% ranks among the nation's most affordable, well below the national average and even below Montana's 15.9% state standard. At only $623 monthly, rents here demand just 12.9% of the median household income of $58,156, creating exceptional housing accessibility.
Standout affordability leader across Montana
Phillips County boasts the lowest rent-to-income ratio in this analysis at 12.9%, undercutting Montana's state average of 15.9% by 3 percentage points. The median rent of $623 runs a remarkable 24.5% below the state median of $825, marking Phillips as a true affordability outlier.
Unmatched rental bargains in north-central Montana
Phillips County's $623 median rent stands $146 below Petroleum County ($769), $242 below Musselshell County ($865), and $304 below Park County ($927). At 12.9% of income, Phillips County renters enjoy the lowest housing burden of any county in this regional cluster.
Both renters and owners find relief here
Phillips County renters pay just $623 monthly (12.9% of income), while homeowners spend $589 monthly (12.1% of income)—both figures substantially below state and national norms. This county achieves the rare distinction of making housing affordable for both renting and owning households.
Phillips County: rural Montana's affordability champion
For renters prioritizing maximum housing affordability, Phillips County's $623 rents and 12.9% income ratio are unmatched in this region. With median home values at $175,000 and ownership costs under $600 monthly, Phillips County delivers genuine financial breathing room for families considering a Montana relocation.
Affordability Calculator
See how your income compares to housing costs in Phillips County
Rent Burden
12.9%
of gross income
Max Housing (28% Rule)
$1,357
per month
Owner Cost Burden
12.2%
of gross income
The median home in Phillips County may be a stretch
Median home value is $175,000. Estimated monthly cost: $1,397 vs. your max of $1,357.
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.