Photo by Squids Z on Unsplash (https://unsplash.com/@squids93)
Butte-Silver Bow (balance), Montana Retirement Guide
Retirement Score
Butte-Silver Bow (balance), Montana at a Glance
- Median Home Price
- $197,200
- State Income Tax
- State income tax; Social Security partially exempt; partial pension deduction.
- Avg January Low
- 17.8°F
- Cost of Living Index
- 90.2 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 41 / 100
Overview
Explore the key retirement factors for Butte-Silver Bow (balance), Montana, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Butte-Silver Bow (balance)'s cost of living is 9.799999999999997% below the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Butte-Silver Bow (balance) using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$427
Stress-case monthly carrying cost
$480
Median home price used: $197,200
Median rent reference: $786 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Butte-Silver Bow (balance), Montana after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Butte-Silver Bow (balance) scores 0 out of 100 for healthcare access.
Care planning link
Find local assisted living in Butte-Silver Bow (balance)
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Butte-Silver Bow (balance) →Taxes
State Tax Climate
Montana has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 294 sunny days a year and an average January low of 17.8°F, Butte-Silver Bow (balance) offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Butte-Silver Bow (balance)
Is Butte-Silver Bow (balance), Montana a good place to retire?▾
Butte-Silver Bow (balance), Montana is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include established retirement community. See the at-a-glance card on this page for the cost of living, state tax treatment, climate, and healthcare access metrics.
What is the cost of living in Butte-Silver Bow (balance), Montana for retirees?▾
The cost-of-living index is 90, roughly 10% below the national average of 100. Median home price is around $197,200.
Does Montana tax Social Security or retirement income?▾
For Montana residents: State income tax; Social Security partially exempt; partial pension deduction.
What is the climate like in Butte-Silver Bow (balance), Montana?▾
Butte-Silver Bow (balance), Montana has January average low around 18°F, July average high around 87°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Butte-Silver Bow (balance), Montana?▾
Butte-Silver Bow (balance) scores 0/100 on the RetireCityIQ healthcare access index — a limited score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).