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Billings, Montana Retirement Guide
established retirement community
43
Retirement Score
Billings, Montana at a Glance
- Median Home Price
- $323,900
- State Income Tax
- State income tax; Social Security partially exempt; partial pension deduction.
- Avg January Low
- 20.5°F
- Cost of Living Index
- 90.2 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 43 / 100
Things to Consider
- higher state tax burden
Retirement Data
Affordability
Cost of Living Index
90.2 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$323,900High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,085High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt; partial pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
20.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
46.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
20.1 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
88.6°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
20.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
16.3"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
304 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
91.7 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
20.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
3.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
117,093High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$69,692High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
64.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
9.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
37.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
11.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
86.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
7.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Billings using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$702
Stress-case monthly carrying cost
$788
Median home price used: $323,900
Median rent reference: $1,085 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.