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Montana

Cost of living in Garfield County, MT

Estimated monthly cost
$2,649/mo
for a single person, all categories combined

Population 938 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $818 31%
Healthcare $480 18%
Federal tax $475 18%
Groceries $334 13%
State tax $172 6%
Energy $160 6%
Transport $150 6%
Water $60 2%

Rent in Garfield County

Fair Market Rents by bedroom count.

Studio
$781
per month
1 bedroom
$818
per month
2 bedroom
$1,065
per month
3 bedroom
$1,286
per month
4 bedroom
$1,699
per month

Source: HUD FMR FY2025

Income and earnings in Garfield County

Annual earnings figures from the Census ACS.

Household income
$61,750
per year
Individual earnings
$39,091
per year
Per capita
$35,206
per year

Source: ACS 2019-2023 5-Year.

Home values in Garfield County

Average values reported by homeowners.

Average home value
$178,300
Annual property tax
$1,169

Source: ACS 2019-2023 5-Year

Energy costs in Garfield 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 Garfield County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.9%

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 Garfield 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 Garfield County

Commute patterns and estimated costs.

Average commute
18.2 min
Drive alone
41.3%
Public transit
0.0%
Work from home
39.5%

Source: ACS

Monthly cost estimates for Garfield County

What it costs to live in Garfield County each month.

Single person
$2,649
per month
  • Rent $818
  • Energy $160
  • Water $60
  • Groceries $334
  • Transport $150
  • Healthcare $480
  • Federal tax $475
  • State tax $172
Couple
$3,907
per month
  • Rent $1,065
  • Energy $192
  • Water $70
  • Groceries $553
  • Transport $200
  • Healthcare $864
  • Federal tax $680
  • State tax $283
Family
$6,244
per month
  • Rent $1,286
  • Energy $240
  • Water $85
  • Groceries $840
  • Transport $280
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $680
  • State tax $283

Frequently asked questions about Garfield County

Common questions about cost of living, rent and salary.

What is the average rent in Garfield County?

In Garfield County, MT, a one-bedroom apartment averages $818 per month, a two-bedroom averages $1,065 per month, a three-bedroom averages $1,286 per month, according to HUD Fair Market Rent data.

What is the average salary in Garfield County?

In Garfield County, MT, the average household income is $61,750 per year and individual earnings for full-time workers average $39,091 per year, according to U.S. Census Bureau data.

What is the cost of living in Garfield County?

The estimated cost of living in Garfield County, MT is approximately $2,649 per month for a single person, $3,907 for a couple, $6,244 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garfield County?

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

Is Garfield County an affordable place to live?

Based on the data, a single person in Garfield County, MT would need approximately $2,649 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $61,750 per year ($5,146 per month). Garfield County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garfield County?

The ACA marketplace benchmark premium in Garfield County, MT is approximately $480 per month for an individual. Approximately 10.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garfield County?

The average home value in Garfield County, MT is $178,300, with average annual property taxes of $1,169, according to U.S. Census Bureau data.

How does Garfield County compare to other areas?

You can compare Garfield County, MT with any other US county using our comparison tool at /compare. Garfield 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 Garfield 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