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Montana

Cost of living in Fergus County, MT

Estimated monthly cost
$2,928/mo
for a single person, all categories combined

Population 11,581 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,069 37%
Healthcare $480 16%
Federal tax $420 14%
Groceries $334 11%
Transport $250 9%
Energy $160 5%
State tax $155 5%
Water $60 2%

Rent in Fergus County

Fair Market Rents by bedroom count.

Studio
$1,029
per month
1 bedroom
$1,069
per month
2 bedroom
$1,402
per month
3 bedroom
$1,840
per month
4 bedroom
$2,237
per month

Source: HUD FMR FY2025

Income and earnings in Fergus County

Annual earnings figures from the Census ACS.

Household income
$59,731
per year
Individual earnings
$35,774
per year
Per capita
$34,970
per year

Source: ACS 2019-2023 5-Year.

Home values in Fergus County

Average values reported by homeowners.

Average home value
$202,700
Annual property tax
$1,709

Source: ACS 2019-2023 5-Year

Energy costs in Fergus County

Estimated monthly electricity and gas costs.

Electricity
$103
per month · 12.9¢/kWh
Natural gas
$57
per month
Annual total
$1,920
per year

Source: EIA

Healthcare in Fergus County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
15.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Fergus County

State and local tax rates for Montana.

State income tax
5.9%
Top marginal rate
State sales tax
0.0%
Combined sales tax
0.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Fergus County

Commute patterns and estimated costs.

Average commute
18.6 min
Drive alone
61.6%
Public transit
0.8%
Work from home
16.2%

Source: ACS

Monthly cost estimates for Fergus County

What it costs to live in Fergus County each month.

Single person
$2,928
per month
  • Rent $1,069
  • Energy $160
  • Water $60
  • Groceries $334
  • Transport $250
  • Healthcare $480
  • Federal tax $420
  • State tax $155
Couple
$4,351
per month
  • Rent $1,402
  • Energy $192
  • Water $70
  • Groceries $553
  • Transport $350
  • Healthcare $864
  • Federal tax $647
  • State tax $273
Family
$6,925
per month
  • Rent $1,840
  • Energy $240
  • Water $85
  • Groceries $840
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $647
  • State tax $273

Frequently asked questions about Fergus County

Common questions about cost of living, rent and salary.

What is the average rent in Fergus County?

In Fergus County, MT, a one-bedroom apartment averages $1,069 per month, a two-bedroom averages $1,402 per month, a three-bedroom averages $1,840 per month, according to HUD Fair Market Rent data.

What is the average salary in Fergus County?

In Fergus County, MT, the average household income is $59,731 per year and individual earnings for full-time workers average $35,774 per year, according to U.S. Census Bureau data.

What is the cost of living in Fergus County?

The estimated cost of living in Fergus County, MT is approximately $2,928 per month for a single person, $4,351 for a couple, $6,925 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Fergus County?

The combined sales tax rate in Fergus County, MT is 0.00%, which includes the Montana state rate of 0.00% plus an average local rate of 0.00%.

Is Fergus County an affordable place to live?

Based on the data, a single person in Fergus County, MT would need approximately $2,928 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $59,731 per year ($4,978 per month). Fergus County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Fergus County?

The ACA marketplace benchmark premium in Fergus County, MT is approximately $480 per month for an individual. Approximately 15.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Fergus County?

The average home value in Fergus County, MT is $202,700, with average annual property taxes of $1,709, according to U.S. Census Bureau data.

How does Fergus County compare to other areas?

You can compare Fergus County, MT with any other US county using our comparison tool at /compare. Fergus County is in Montana.

Other counties in Montana

Browse the full list of counties in Montana, ranked by cost of living.

See all counties in Montana

Compare Fergus County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources