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Stillwater
Montana

9K

Population

$78K

Median Income

$472K

Median Home

R+53

Politics

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What stands out

Against every county in America, Stillwater County is unusual in three ways: the overdose death rate is in the bottom 4% of American counties (0 per 100,000), homeownership is in the top 5% of American counties (84%), and the median home price is in the top 8% of American counties ($483K). Within Montana it ranks 30th of 56 counties for the overdose death rate, counting from the bottom.

Where you are

You live in Stillwater County, Montana. 8,978 people live here with you, so most faces are familiar. The population held steady at 0.0% last year, and more Americans moved in than out (net +46).

Montana has no sales tax and a two-bracket income tax with a top rate of 5.65% for 2026. It taxes Social Security above income thresholds. Home prices in Bozeman, Missoula and the Flathead Valley roughly doubled between 2019 and 2023 as remote workers arrived, and the state passed a package of zoning reforms in 2023 to add housing supply. Wildfire smoke is now a regular late-summer feature.

Money

The typical household here brings in $78,380 a year, higher than 86% of American counties. Employers pay an average wage of $75,084. Unemployment runs 2.2%, lower than 91% of American counties. 7% of workers work from home; for the rest the average commute is 26 minutes each way.

Montana takes 5.1% of that median income in state income tax, about $3,977 a year.

Home

The median home costs $483K, pricier than 92% of American counties, about 3.3 years of the median household's income. A two-bedroom rents for around $846 a month. Property tax is 0.64% of home value, roughly $2,017 a year on that median home, lower than 73% of American counties. 84% of households own rather than rent.

Safety and health

Violent crime here is 3.2 per 1,000 residents, lower than 85% of American counties.

A child born here can expect to live 78.1 years, longer than 77% of American counties. There are 9 active physicians in the county, about 10.0 per 10,000 people. 10.8% of people under 65 have no health insurance.

School

Local students test at grade level 2.98 where 3.0 is national grade level, lower than 52% of American counties. 93% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 53 points, among the most lopsided counties in the country. 77% of eligible voters turned out. Under Montana law you can carry a concealed handgun without a permit, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 45°F, highs near 57 and lows near 33, colder than 91% of American counties. About 22 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 15 out of 100, safer than 85% of American counties; the county has had 16 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 142 Mbps down, slower than 74% of American counties. There are 7 airports in the county, counting general aviation. For a night or a weekend out: 0.8 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$78K
This county
national avg ~$75K
Poverty Rate9.6%
This county
national avg ~11.5%
Unemployment Rate2.2%
This county
national avg ~3.8%
GDP per Capita$81,939
Federal Spending per Capita$1,695
Median Individual Earnings$42K
This county
national avg $45K
Professional/Management Workers29.5%
Average Adjusted Gross Income$85K
Avg Credit Score705
Work From Home %7.1%
This county
national avg 17.0%
Population Under 1820.7%
This county
national avg 22.0%
Single-Person Households27.7%
This county
national avg 28.0%
Banks & Finance Firms6
Income (20th Percentile)$33K
Income (80th Percentile)$149K
Income (95th Percentile)$250K
Bachelor's Degree or Higher29.3%
This county
national avg 34.3%
Less Than High School7.1%
This county
national avg 11.0%
Knowledge Economy GDP %4.9%
Dependency Ratio0.82
Medicare Spending / Person$3,181
SS Benefits / Person$5,435
Education Wage Premium2.07x
Median Earnings (Bachelor's)$48K
Median Earnings (Graduate)$74K
Median Earnings (HS Diploma)$36K
Public Assistance Recipients1.3%
Average Annual Wage$75K
Professional Services Concentration0.34x national
This county
1.0 = national average share
Federal Government Jobs Located Here34
Federal Share of Jobs Located Here1.2%
Residents Who Work for the Federal Government3.7%
Federal Civilian Share of Earnings0.9%
Federal Contract Dollars Performed Here (FY2025)$556,454
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars55%
Oil and Gas Share of Earnings (incl. proprietors)1.1%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$472K
This county
$450K state avg
$303K national
Market Rent (ZORI)$855/mo
This county
$1450/mo state avg
$1400/mo national
Property Tax Rate0.64%
This county
0.58% state avg
1.10% national

Annual tax on median home: $2,017

Affordability & Supply

HUD Fair Market Rent (2BR)$1,257/mo
Home Price Change (1 yr)-6.8%−+14.6% since 2024
Home Value to Income Ratio3.3x income
Severely Cost-Burdened Households7.6%
Homeownership Rate83.7%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
16.2%
Active Listings
49
New Listings / Month
16

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
60 days
Months of Supply (Redfin)— Balanced market
5.8 mo
Sold Above List (Redfin)
0.0%

Source: Redfin · Updated monthly

Health

Life Expectancy78.1 yrs
This county
national avg ~78.5 years
Food Insecurity5.5%
This county
national avg ~11%
Food Environment Index9.3 / 10
This county
higher = better access
Primary Care Shortage Score13
This county
national avg 5
Mental Health Shortage Score15
Dental Care Shortage Score9
Healthcare Shortage Score12.3
Healthcare Offices4
Obesity Rate (BRFSS)29.9%
This county
national avg 32.0%
Smoking Rate (BRFSS)13.2%
This county
national avg 14.0%
Poor Health Rate (BRFSS)15.8%
This county
national avg 18.0%
Physical Inactivity (BRFSS)19.0%
This county
national avg 24.0%
High Blood Pressure (BRFSS)27.2%
This county
national avg 32.0%
Active Physicians9
Nursing Home Rating1.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients389 / 1,000
Medicare Cost per Beneficiary$9,374
Uninsured (under 65)10.8%
This county
national avg ~10%
Adults with Depression24.7%

Education

Math Test Scores2.98 grade level
HS Diploma Holders1,880
Bachelor's Degree Holders1,348
HS Completion Rate92.9%
This county
national avg ~85%

Safety

Violent Crime Rate3.2 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate25.2 / 100K
This county
national avg ~13.6/100K
Traffic Fatalities0
Social Vulnerability (CDC SVI)6th pct
Drug Overdose Deaths (2024)0.0 / 100K
Suicide Rate31.8 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale2.6
January Sunshine-0.53
January Temperature-0.89
Average Temp45°F+4.9% since 2022
Avg High Temp57°F+3.1% since 2022
Avg Low Temp33°F+8.6% since 2022
Median AQIAQI 29
Good Air Days306 days/yr
Unhealthy Air Days4 days/yr
Annual Precipitation21.6 in/yr+11% since 2022
Avg Storm Events8.6 storms/yr
Avg Annual Storm Damage$161K
Drought Index (2022)0.06
Heating Degree Days7,520 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days291 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)8,356 HDD/yr
Cooling Degree Days (1901–2000 Baseline)221 CDD/yr
Avg Tornadoes / Year0.0
Avg Flood Events / Year1.6
Avg Hail Events / Year4.4
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)15 / 100
Community Resilience (FEMA)58 / 100
Federal Disaster Declarations16 since 1953
Fine Particulate Pollution (PM2.5)5.6 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)15 properties
FAA-Registered Airports7 total
Airports (excl. heliports)7 airports

Internet & Remote Work

Download Speed142 Mbps
This county
national avg ~120 Mbps
Upload Speed21 Mbps
Fixed Internet (Q1 2026)231 Mbps
Mobile Internet (Q1 2026)212 Mbps
Mobile Upload (Q1 2026)33 Mbps
Mobile Latency (Q1 2026)51 ms
Households with 100Mbps+70.1%
This county
national avg 75.0%
Cellular-Only Internet20.6%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)36 Mbps

Commute & Transit

Remote Workers300 workers
Public Transit Commuters164 workers
Walk to Work (workers)222 workers
Extreme Commutes (90+ min)218 workers
Avg Commute Time26.4 min
This county
national avg ~27 min
Bike Commuters0.2%
Walk to Work5.2%

Families & Childcare

Childcare Cost Burden21.0%
This county
national median ~27% of household income
Childcare Centers2.5 per 10K residents
Childcare Facilities3

Civic & Community

Voter Turnout76.6%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.450
Nonprofit Organizations136
Veterans Share11.2%
This county
national avg 7.0%
Married Adults62.4%
Never-Married Adults20.4%
Divorced Adults9.8%
Religious Organizations12
Asian Population0.4%
Native American Population0.4%
Membership Associations14.4 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.81 per 1K residents
Nursing & Care Facilities4
Hotels & Lodging4
Recreation Businesses8
Professional Services Firms27
Veterinary Practices6
Real Estate Firms8
Debt Burden
Avg Mortgage Balance$104K
Avg Student Loan Balance$10K
Avg Credit Card Balance$5K
Loan Delinquency Rate36.5%
This county
national avg 4.0%

Innovation

Inventor Rate0.20%

Politics

R+53

2024 Presidential · Montana was R+13 statewide

vs Montana State

Income tax
5.9%Same (state law)
Property tax
0.64%0.58% state avg
Politics
R+53R+13
COL Index
104state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +46

More people arriving than leaving

IRS Wealth Migration

Wealthier people moving in (IRS: 1.06x avg income)

Economic Mobility

56%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Stillwater County

Median home value: $483K

View on Zillow →View on Realtor.com →

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Full Montana profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable