Helena, Montana Cost of Living: Quick Takeaways
- Housing Costs: Average rent for a one-bedroom apartment has risen to $1,524 in 2025.
- Transportation Expenses: Lower than national average, with public transit fares around $3.50 per ride and monthly passes at $60.
- Healthcare Costs: Monthly health insurance premiums average $621 for a Silver plan, slightly above national average.
- Utilities: Monthly utility expenses average $403.89, with electricity and internet being notable components.
Helena, Montana offers a unique blend of small-city charm and access to nature, making it appealing for residents.
This article provides a comprehensive breakdown of various cost of living aspects for Helena in 2025.
1. Housing Costs in Helena, Montana
Housing is one of the most significant expenses in Helena. Here is a historical snapshot of rent prices for a one-bedroom apartment:
- 2010: About $800
- 2015: Approximately $900
- 2020: Around $1,058
- 2024: Reached $1,491
- 2025: Estimated at $1,524
This trend shows a steady increase in rental costs over the past 15 years as demand for housing grows.
2. Homeownership and Real Estate Trends in Helena, Montana
For those looking to buy a home, prices have also been on the rise:
- 2010: Median home price was $278,300
- 2015: Increased to $300,000
- 2020: Rose to $355,100
- 2024: Jumped to $456,285
- 2025: Projected at $470,565
The climbing home prices reflect the growing popularity of Helena as a residential area and the limited housing supply.
3. Transportation Expenses in Helena, Montana
Transportation costs in Helena remain below national averages, benefiting residents:
- Public Transit One-Way Fare: $3.50
- Monthly Transit Pass: $60.00
- Fuel Cost per Gallon: $3.50
- Annual Vehicle Maintenance: Around $1,200
These expenses vary by usage but generally help keep commuting affordable.
4. Utility Costs in Helena, Montana
Utility bills contribute notably to monthly expenses. Typical costs include:
- Electricity: $152.40 monthly
- Internet: $98.99 monthly
- Total Utilities Monthly: Approximately $403.89
Costs depend on usage and providers but represent essential services for most households.
5. Grocery and Food Expenses in Helena, Montana
Grocery costs average $422 per person monthly, reflecting typical food spending patterns.
Dining out in Helena ranges from casual meals around $16 to mid-range restaurant meals costing about $90.
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6. Healthcare Costs in Helena, Montana
Healthcare expenses include employer-sponsored insurance and individual plans:
- Employer-Sponsored Health Insurance: $140.33 monthly per person
- Silver Health Insurance Plan: Approximately $621 monthly
These costs vary based on coverage choices and individual medical needs.
7. Educational Expenses in Helena, Montana
Education costs differ by level and institution:
- Public Schools: Generally free and funded through taxes
- Private School Tuition: Average about $22,833 annually
- In-State University Tuition: Approximately $6,381 per year
Families should consider these expenses depending on their educational preferences.
8. Entertainment and Leisure in Helena, Montana
Leisure activities and associated costs include:
- Movie Ticket: $10.00 each
- Gym Membership: Around $43.33 monthly
- Mid-Range Restaurant Meal: Approximately $90
Annual entertainment spending totals about $2,482, with additional personal care services costing $768 yearly.
9. Taxes and Miscellaneous Fees in Helena, Montana
Understanding local taxes is important for budgeting:
- State Income Tax Rate: Ranges from 1% to 6.9%
- Sales Tax: Montana has no general sales tax
- Property Tax Rate: Approximately 0.85%
These taxes impact overall affordability for residents.
10. Childcare and Family Expenses in Helena, Montana
Family-related costs include childcare, after-school care and extracurricular activities:
- Daycare Monthly Cost: Around $1,895
- After-School Programs: Approximately $300 monthly
- Extracurricular Activities: About $100 monthly
These expenses require careful consideration when budgeting for families.
11. Clothing and Personal Care in Helena, Montana
Monthly personal expenses include:
- Clothing: $115
- Personal Care Products and Services: $54
These costs are influenced by lifestyle and individual preferences.
12. Insurance Costs in Helena, Montana
Key insurance costs affecting residents include:
- Health Insurance Premiums: $621 monthly for a Silver plan
- Auto Insurance: Approximately $1,200 annually
- Homeowners Insurance: Around $1,500 annually
- Renters Insurance: $180 annually
Insurance is a crucial part of financial planning in Helena.
13. Miscellaneous Expenses in Helena, Montana
Additional costs contributing to overall living expenses include:
- Entertainment: $2,482 annually
- Personal Care Services: $768 annually
- Miscellaneous Goods and Services: $707 annually
These figures depend on individual lifestyle choices and consumption patterns.
14. Income and Salaries in Helena, Montana
Historical median household income growth shows improving economic conditions:
- 2010: $46,000
- 2015: $50,000
- 2020: $59,712
- 2023: $69,341
- 2025: Projected $72,200
This steady increase reflects economic growth and expanding opportunities in Helena.
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15. Comparison with National Averages for Helena, Montana
Comparing Helena’s cost of living to national data shows:
- Overall Cost of Living: About 0.2% above national average
- Housing: 26.2% higher than national average
- Utilities: 12.8% lower
- Food: 2% higher
- Healthcare: Slightly above average at 1.2%
- Transportation: 39.2% lower
- Goods and Services: 13.1% higher
These comparisons highlight strengths and challenges in Helena’s affordability landscape.
Our Methodology for Helena, Montana Cost of Living Figures
We base our information on trusted sources including government data, economic reports and reputable cost databases. When exact data is unavailable, we provide reasonable estimates to ensure thoroughness.
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Helena, Montana Cost of Living: Conclusion
In 2025, Helena’s cost of living reflects a balance of rising housing prices and affordable transportation and utilities.
Healthcare and food costs are slightly above average while income growth offers some relief to residents.
Understanding these factors helps current and prospective residents navigate their budgeting and lifestyle decisions effectively in Helena.
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