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)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Phillips County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Phillips County ranks #67 of 3,142 counties for affordability (top 2%)
Sourced county brief
Phillips County Median Gross Rent Estimated at $536 per Month
Median gross rent in Phillips County was estimated at $536 per month according to the American Community Survey 2020-2024 5-Year Estimates. This value is $306 lower than the Montana unweighted county mean of $842. The official Gross Rent as a Percentage of Household Income (GRAPI), representing the median percentage of household income spent on rent, was 23.2%. This official GRAPI figure is 0.9 percentage points lower than the state unweighted county mean of 24.1%. Median renter-household income for the county was $30,156. In the owner-occupied sector, the median home value was $197,600, while median selected monthly owner costs for all owner-occupied units were $561. These owner costs are below the state unweighted county mean of $842. All data presented are snapshots from the 2020-2024 ACS release. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Phillips County
Affordability Verdict
ACS B25071 estimates median gross rent at 23.2% of renter household income in Phillips County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $536 per month; median selected monthly owner costs are $561. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $21,440 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Montana unweighted mean of county median rents is $842 per month. Phillips County's $536 median is 36.3% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Phillips County
Rent Burden
12.0%
of gross income
Max Housing (28% Rule)
$1,246
per month
Owner Cost Burden
12.6%
of gross income
The median home in Phillips County may be a stretch
Median home value is $197,600. Estimated monthly cost: $1,578 vs. your max of $1,246.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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