C-

Choteau, MT

Source:

Affordability Score: 51/100

Population: 2,643 · 1 ZIP codes

The affordability dashboard for Choteau, MT aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 2,643 residents, then layers in county-level federal data to produce an overall grade of C- (51/100). The headline inputs are median household income of $67,500, median home value of $256,500, median rent of $710 per month, and 26.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,360 per month (studio $1,019, 1BR $1,241, 3BR $1,891, 4BR $2,171). Department of Labor data lists infant center-based childcare at $12,515 per year, consuming 19% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are childcare. Unemployment currently reads 0.7% and poverty 18.7% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C
$67,500
Median household income
Education D
26.1%
Bachelor's degree or higher
Housing D
3.8x
Home value $256,500 vs income
Commute N/A
N/A
Average commute time
Rent B-
$1,360/mo
2BR fair market rent (24% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$12,515/yr
Center-based infant care (19% of income)

Income & Employment

Median Income
$67,500
▲ 9% vs national
Per Capita Income
$29,447
Unemployment Rate
0.7%
Poverty Rate
18.7%

Housing

Median Home Value
$256,500
▼ 7% vs national
Median Rent
$710/mo
Owner Occupied
70.8%
2BR Fair Market Rent
$1,360/mo
▲ 13% vs national

Fair Market Rents by Bedroom

Studio
$1,019
1BR
$1,241
2BR
$1,360
3BR
$1,891
4BR
$2,171

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
26.1%
▼ 4 ppt vs national
High School+
58.9%
Median Age
44.5
Avg. Commute

Childcare Costs

Infant (Center)
$12,515/yr
19% of income
Toddler (Center)
$12,959/yr
Preschool (Center)
$11,174/yr
School-Age (Center)
$11,174/yr

What This Means

Choteau, MT receives an overall affordability grade of C- (51/100), aggregated from 1 ZIP codes with a total population of 2,643. Challenges include childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Choteau, MT affordable?
Choteau, MT receives an overall affordability grade of C- (51/100) based on Census, HUD, FBI, and DOL data. Median household income is $67,500. Median home value is $256,500.
What is the cost of living in Choteau?
Key cost metrics: Median rent $710/mo. 2BR fair market rent $1,360/mo. Infant childcare $12,515/yr. Median home value $256,500.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →