Cost Of Living in Orchard Homes, MT

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Orchard Homes	Montana	National
Cost of living	112	101	100
Goods & Services	90	104	100
Groceries	100	103	100
Health care	93	98	100
Housing	154	99	100
Transportation	103	109	100
Utilities	93	93	100

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Cost Of Living Quick Facts

The cost of living in Orchard Homes is 10% higher than the Montana average
The cost of living in Orchard Homes is 12% higher than the national average
Orchard Homes housing is 54% higher than the national average
Montana general sales tax is 100% lower than the national average
Montana state income tax is 61% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$90,917	$7,576	$2,121	$2,728
Renters	$48,268	$4,022	$1,126	$1,448

A good way to judge both the affordability of the housing and the cost of living in Orchard Homes is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Orchard Homes has a median income of about $90,917 for people who own homes. Based on that number, a maximum of $2,121 should be spent on expenses related to housing. Renters have a slightly different median income, which is $48,268. Based on this average, renters should spend no more than $1,126 on all rental costs if they want to maintain a non-impoverished standard of living.

Montana Sales Tax

State	General Sales Tax	With Max Surtax
Montana	0%	0%

Montana Income Tax

State	Income Tax (Low)	Income Tax (High)
Montana	1%	6.75%

Goods & Services

Item	Orchard Homes	National avg.	Difference
Haircut	$15.71	$24.26	35.2%
Beauty Salon	$37.87	$45.56	16.9%
Toothpaste	$4.19	$3.70	13.3%
Shampoo	$1.16	$1.28	9.2%
Movie	$12.99	$12.13	7.1%
Bowling	$16.78	$18.00	6.8%

Groceries

Item	Orchard Homes	National avg.	Difference
Ground Beef	$6.31	$5.84	8.0%
Fried Chicken	$1.59	$1.57	1.2%
Milk	$4.55	$4.67	2.5%
Potatoes	$4.61	$4.93	6.5%
Pizza	$12.03	$12.09	0.5%
Beer	$10.57	$10.41	1.5%

Health Care

Item	Orchard Homes	National avg.	Difference
Optometrist	$105.94	$125.68	15.7%
Doctor	$115.67	$135.78	14.8%
Dentist	$112.63	$113.29	0.6%
Ibuprofen	$10.57	$10.65	0.7%
Lipitor	$444.64	$468.60	5.1%

Housing

Item	Orchard Homes	National avg.	Difference
Home Price	$315,000.00	$184,700.00	70.5%
Avg. Mortgage Payment	$1,553.45	$2,346.69	33.8%
Apartment Rent	$1,080.00	$949.00	13.8%

Transportation

Item	Orchard Homes	National avg.	Difference
Gasoline	$3.37	$3.46	2.5%
Tire Balancing	$69.17	$59.92	15.4%

Utilities

Item	Orchard Homes	National avg.	Difference
All Electricity	$176.82	$193.99	8.9%
Phone	$182.36	$192.25	5.1%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Huson, MT	60	94	5.9%
Bonner-West Riverside, MT	1,404	95	5.3%
East Missoula, MT	2,214	101	0.9%
Lolo, MT	4,064	103	3.5%
Evaro, MT	401	108	8.0%
Orchard Homes, MT	5,480	112	11.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Somerdale, NJ	5,479	101	1.4%
New Holland, PA	5,479	104	4.2%
Charleston, MO	5,478	78	21.8%
Chadron, NE	5,482	89	10.7%
Preston, ID	5,477	98	2.3%
Orchard Homes, MT	5,480	112	11.9%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Orchard Homes, MT