F

Pablo, MT

Source:

Affordability Score: 12/100

Population: 957 · 1 ZIP codes

The affordability dashboard for Pablo, MT aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 957 residents, then layers in county-level federal data to produce an overall grade of F (12/100). The headline inputs are median household income of $32,688, median home value of $160,600, median rent of $631 per month, and 9.6% 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 $1,444 per month (studio $1,097, 1BR $1,104, 3BR $1,865, 4BR $1,990). Department of Labor data lists infant center-based childcare at $11,733 per year, consuming 36% 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, rent, childcare. Unemployment currently reads 0.0% and poverty 42.2% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$32,688
Median household income
Education F
9.6%
Bachelor's degree or higher
Housing F
4.9x
Home value $160,600 vs income
Commute N/A
N/A
Average commute time
Rent F
$1,444/mo
2BR fair market rent (53% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$11,733/yr
Center-based infant care (36% of income)

Income & Employment

Median Income
$32,688
▼ 47% vs national
Per Capita Income
$13,472
Unemployment Rate
0.0%
Poverty Rate
42.2%

Housing

Median Home Value
$160,600
▼ 42% vs national
Median Rent
$631/mo
Owner Occupied
56.7%
2BR Fair Market Rent
$1,444/mo
▲ 20% vs national

Fair Market Rents by Bedroom

Studio
$1,097
1BR
$1,104
2BR
$1,444
3BR
$1,865
4BR
$1,990

Safety

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

Education & Family

Bachelor's Degree+
9.6%
▼ 20 ppt vs national
High School+
30.9%
Median Age
32.4
Avg. Commute

Childcare Costs

Infant (Center)
$11,733/yr
36% of income
Toddler (Center)
$12,214/yr
Preschool (Center)
$10,482/yr
School-Age (Center)
$10,482/yr

What This Means

Pablo, MT receives an overall affordability grade of F (12/100), aggregated from 1 ZIP codes with a total population of 957. Challenges include income and education and housing and rent and 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 Pablo, MT affordable?
Pablo, MT receives an overall affordability grade of F (12/100) based on Census, HUD, FBI, and DOL data. Median household income is $32,688. Median home value is $160,600.
What is the cost of living in Pablo?
Key cost metrics: Median rent $631/mo. 2BR fair market rent $1,444/mo. Infant childcare $11,733/yr. Median home value $160,600.
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 →