Cost of Living in Harlem, MT

With a cost of living index of 63, Harlem, MT is one of the most affordable cities in the country. Living here is 37% cheaper than the national average and 25% below the Montana state average of 89. Harlem is a small community of 879 residents.

Housing costs are the biggest factor in Harlem's cost of living. The median monthly rent is $770 (42% below the US median of $1,319), and the median home value sits at $89,700 (71% below the national median of $304,900). At current prices, the median home costs roughly 1.2x the median household income — well within traditional affordability guidelines.

The median household income in Harlem is $74,545, which is 1% lower than the national median of $75,149. Residents spend roughly 12% 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 Harlem. The area sees an average annual temperature of 43.6°F, with summers averaging 67°F and winters around 20°F. Annual rainfall totals 11.8 inches spread over roughly 90 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.