Cost of Living in Muddy, MT

With a cost of living index of 55, Muddy, MT is one of the most affordable cities in the country. Living here is 45% cheaper than the national average and 34% below the Montana state average of 89. Muddy is a small community of 641 residents.

Housing costs are the biggest factor in Muddy's cost of living. The median monthly rent is $404 (69% below the US median of $1,319), and the median home value sits at $120,200 (61% below the national median of $304,900). At current prices, the median home costs roughly 2.5x the median household income — well within traditional affordability guidelines.

The median household income in Muddy is $48,409, which is 36% lower than the national median of $75,149. Residents spend roughly 10% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Muddy. The area sees an average annual temperature of 45.4°F, with summers averaging 67°F and winters around 25°F. Annual rainfall totals 14.9 inches spread over roughly 102 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.