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Bozeman, Montana Retirement Guide
established retirement community
42
Retirement Score
Bozeman, Montana at a Glance
- Median Home Price
- $546,100
- State Income Tax
- State income tax; Social Security partially exempt; partial pension deduction.
- Avg January Low
- 13.8°F
- Cost of Living Index
- 90.2 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 42 / 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
$546,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,447High confidence
U.S. Census ACS 5-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)
22 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
80.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
22 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
81.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
13.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
20.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
300 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
89 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
53,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
28.2High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
10.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$74,113High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
43.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
64.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
14.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
88.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Bozeman using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,183
Stress-case monthly carrying cost
$1,329
Median home price used: $546,100
Median rent reference: $1,447 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.