Cost of Living in Saco, MT

With a cost of living index of 65, Saco, MT is one of the most affordable cities in the country. Living here is 35% cheaper than the national average and 23% below the Montana state average of 89. Saco is a small community of 154 residents.

Housing costs are the biggest factor in Saco's cost of living. The median monthly rent is $900 (32% below the US median of $1,319), and the median home value sits at $64,400 (79% below the national median of $304,900). At current prices, the median home costs roughly 1.3x the median household income — well within traditional affordability guidelines.

The median household income in Saco is $51,250, which is 32% lower than the national median of $75,149. Residents spend roughly 21% 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 Saco. The area sees an average annual temperature of 43.9°F, with summers averaging 69°F and winters around 17°F. Annual rainfall totals 13.4 inches spread over roughly 95 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.