B+

Culbertson, MT

Source:

Affordability Score: 76/100

Population: 927 · 1 ZIP codes

The affordability dashboard for Culbertson, MT aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 927 residents, then layers in county-level federal data to produce an overall grade of B+ (76/100). The headline inputs are median household income of $98,833, median home value of $248,200, median rent of $1,110 per month, and 30.6% 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 $1,201 per month (studio $909, 1BR $915, 3BR $1,440, 4BR $1,942). Department of Labor data lists infant center-based childcare at $10,900 per year, consuming 11% 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. Strengths visible in the raw data for Culbertson, MT include income, housing, rent. Unemployment currently reads 0.6% and poverty 11.7% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B+
$98,833
Median household income
Education C-
30.6%
Bachelor's degree or higher
Housing A-
2.5x
Home value $248,200 vs income
Commute N/A
N/A
Average commute time
Rent A+
$1,201/mo
2BR fair market rent (15% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare B-
$10,900/yr
Center-based infant care (11% of income)

Income & Employment

Median Income
$98,833
▲ 59% vs national
Per Capita Income
$37,937
Unemployment Rate
0.6%
Poverty Rate
11.7%

Housing

Median Home Value
$248,200
▼ 10% vs national
Median Rent
$1,110/mo
Owner Occupied
70.3%
2BR Fair Market Rent
$1,201/mo
▲ 0% vs national

Fair Market Rents by Bedroom

Studio
$909
1BR
$915
2BR
$1,201
3BR
$1,440
4BR
$1,942

Safety

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

Education & Family

Bachelor's Degree+
30.6%
▲ 1 ppt vs national
High School+
56.5%
Median Age
42.1
Avg. Commute

Childcare Costs

Infant (Center)
$10,900/yr
11% of income
Toddler (Center)
$11,272/yr
Preschool (Center)
$9,730/yr
School-Age (Center)
$9,730/yr

What This Means

Culbertson, MT receives an overall affordability grade of B+ (76/100), aggregated from 1 ZIP codes with a total population of 927. This area performs well in income and housing and rent. 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 Culbertson, MT affordable?
Culbertson, MT receives an overall affordability grade of B+ (76/100) based on Census, HUD, FBI, and DOL data. Median household income is $98,833. Median home value is $248,200.
What is the cost of living in Culbertson?
Key cost metrics: Median rent $1,110/mo. 2BR fair market rent $1,201/mo. Infant childcare $10,900/yr. Median home value $248,200.
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 →