Cost of living in Phillips County, MT
Population 4,224 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Phillips County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Phillips County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Phillips County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Phillips County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Phillips County
Insurance premiums and coverage rates.
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 Phillips County
State and local tax rates for Montana.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Phillips County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Phillips County
What it costs to live in Phillips County each month.
- Rent $851
- Energy $160
- Water $60
- Groceries $334
- Transport $250
- Healthcare $480
- Federal tax $518
- State tax $185
- Rent $942
- Energy $192
- Water $70
- Groceries $553
- Transport $350
- Healthcare $864
- Federal tax $622
- State tax $265
- Rent $1,320
- Energy $240
- Water $85
- Groceries $840
- Transport $450
- Healthcare $1,350
- Childcare $1,200
- Federal tax $622
- State tax $265
Frequently asked questions about Phillips County
Common questions about cost of living, rent and salary.
What is the average rent in Phillips County?
In Phillips County, MT, a one-bedroom apartment averages $851 per month, a two-bedroom averages $942 per month, a three-bedroom averages $1,320 per month, according to HUD Fair Market Rent data.
What is the average salary in Phillips County?
In Phillips County, MT, the average household income is $58,156 per year and individual earnings for full-time workers average $41,724 per year, according to U.S. Census Bureau data.
What is the cost of living in Phillips County?
The estimated cost of living in Phillips County, MT is approximately $2,838 per month for a single person, $3,858 for a couple, $6,372 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Phillips County?
The combined sales tax rate in Phillips County, MT is 0.00%, which includes the Montana state rate of 0.00% plus an average local rate of 0.00%.
Is Phillips County an affordable place to live?
Based on the data, a single person in Phillips County, MT would need approximately $2,838 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $58,156 per year ($4,846 per month). Phillips County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Phillips County?
The ACA marketplace benchmark premium in Phillips County, MT is approximately $480 per month for an individual. Approximately 7.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Phillips County?
The average home value in Phillips County, MT is $175,000, with average annual property taxes of $1,484, according to U.S. Census Bureau data.
How does Phillips County compare to other areas?
You can compare Phillips County, MT with any other US county using our comparison tool at /compare. Phillips County is in Montana.
Other counties in Montana
Browse the full list of counties in Montana, ranked by cost of living.
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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