Havre, MT

The affordability dashboard for Havre, MT aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 12,638 residents, then layers in county-level federal data to produce an overall grade of F (38/100). The headline inputs are median household income of $51,872, median home value of $218,100, median rent of $853 per month, and 24.6% 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 $1,307 per month (studio $980, 1BR $1,069, 3BR $1,724, 4BR $1,731). Department of Labor data lists infant center-based childcare at $10,957 per year, consuming 21% 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 income, education, housing, childcare. Unemployment currently reads 2.9% and poverty 18.2% — numbers worth keeping alongside the headline grade.