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Bozeman, MT

Cost of living in Gallatin County, MT

Part of the Bozeman Metro Area

Estimated monthly cost
$3,605/mo
for a single person, all categories combined

Population 122,194 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,626 45%
Federal tax $512 14%
Healthcare $480 13%
Groceries $334 9%
Transport $250 7%
State tax $183 5%
Energy $160 4%
Water $60 2%

Rent in Gallatin County

Fair Market Rents by bedroom count.

Studio
$1,448
per month
1 bedroom
$1,626
per month
2 bedroom
$2,087
per month
3 bedroom
$2,924
per month
4 bedroom
$3,453
per month

Source: HUD FMR FY2025

Income and earnings in Gallatin County

Annual earnings figures from the Census ACS.

Household income
$87,454
per year
Individual earnings
$41,358
per year
Per capita
$51,148
per year

Source: ACS 2019-2023 5-Year.

Home values in Gallatin County

Average values reported by homeowners.

Average home value
$604,900
Annual property tax
$3,625

Source: ACS 2019-2023 5-Year

Energy costs in Gallatin 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 Gallatin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.3%

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 Gallatin 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 Gallatin County

Commute patterns and estimated costs.

Average commute
18.8 min
Drive alone
68.1%
Public transit
0.5%
Work from home
14.9%

Source: ACS

Monthly cost estimates for Gallatin County

What it costs to live in Gallatin County each month.

Single person
$3,605
per month
  • Rent $1,626
  • Energy $160
  • Water $60
  • Groceries $334
  • Transport $250
  • Healthcare $480
  • Federal tax $512
  • State tax $183
Couple
$5,626
per month
  • Rent $2,087
  • Energy $192
  • Water $70
  • Groceries $553
  • Transport $350
  • Healthcare $864
  • Federal tax $1,101
  • State tax $409
Family
$8,599
per month
  • Rent $2,924
  • Energy $240
  • Water $85
  • Groceries $840
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,101
  • State tax $409

Frequently asked questions about Gallatin County

Common questions about cost of living, rent and salary.

What is the average rent in Gallatin County?

In Gallatin County, MT, a one-bedroom apartment averages $1,626 per month, a two-bedroom averages $2,087 per month, a three-bedroom averages $2,924 per month, according to HUD Fair Market Rent data.

What is the average salary in Gallatin County?

In Gallatin County, MT, the average household income is $87,454 per year and individual earnings for full-time workers average $41,358 per year, according to U.S. Census Bureau data.

What is the cost of living in Gallatin County?

The estimated cost of living in Gallatin County, MT is approximately $3,605 per month for a single person, $5,626 for a couple, $8,599 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Gallatin County?

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

Is Gallatin County an affordable place to live?

Based on the data, a single person in Gallatin County, MT would need approximately $3,605 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $87,454 per year ($7,288 per month). Gallatin County is relatively affordable compared to the national average.

How much does healthcare cost in Gallatin County?

The ACA marketplace benchmark premium in Gallatin County, MT is approximately $480 per month for an individual. Approximately 7.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Gallatin County?

The average home value in Gallatin County, MT is $604,900, with average annual property taxes of $3,625, according to U.S. Census Bureau data.

How does Gallatin County compare to other areas?

You can compare Gallatin County, MT with any other US county using our comparison tool at /compare. Gallatin County is in the Bozeman, MT metro area.

Other counties in Montana

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

See all counties in Montana

Compare Gallatin 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