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Cost of Living in Gardiner, MT

Population: 791 | Montana

107
Cost of Living Index
US Average = 100

Gardiner is 7% more expensive than the national average.

60
Housing
200
Home Values
93
Regional Price

Cost of Living in Gardiner, MT: What You Need to Know

With a cost of living index of 107, Gardiner, MT is somewhat more expensive than average. Living here is 7% more expensive than the national average and 18% above the Montana state average of 89. Gardiner is a small community of 791 residents.

Housing costs are the biggest factor in Gardiner's cost of living. The median monthly rent is $795 (40% below the US median of $1,319), and the median home value sits at $609,200 (100% above the national median of $304,900). At current prices, the median home costs roughly 10.5x the median household income — a challenging ratio that puts homeownership out of reach for many residents.

The median household income in Gardiner is $57,835, which is 23% lower than the national median of $75,149. Residents spend roughly 16% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Gardiner. The area sees an average annual temperature of 32°F, with summers averaging 52°F and winters around 13°F. Annual rainfall totals 23.1 inches spread over roughly 160 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.

Income

Median Household Income
$57,835
vs US Median ($75,149)
-23%

Housing

Median Rent
$795/mo
Median Home Value
$609,200
Median Monthly Housing Cost
$807/mo

Climate in Gardiner

NOAA 30-year normals (1991-2020)

32°F
Avg Temperature
23.1"
Rainfall / Year
160d
Rainy Days / Year
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
High °F 23 26 35 41 51 61 72 71 61 46 32 23
Avg °F 12 14 21 29 38 47 56 54 45 34 22 13
Low °F 1 1 8 17 26 33 39 37 30 22 11 3
Rain" 1.8 1.7 1.9 2.3 2.4 2.4 1.5 1.3 1.6 1.9 2.1 2.4

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