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ElderCareCosts

Cost of Independent Living in Montana

There is no published independent living cost figure for Montana yet.

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City, state, and national

Each area's median compared with the national figure.

We don't have enough published independent living medians for this area yet.

See independent living cost by state

Open any city page for the full provider table. For example, independent living in Billings.

City figures adjust the Montana median for local wages and housing costs.

A cost trend will appear here once we've published at least one sourced estimate for Montana.

Estimate your own number

Compare independent living costs

Switch units, compare two places, and see a simple five-year projection.

Montana

Not yet published

National median

Not yet published

Need a different pair of places? Open the full cost calculator. Not sure which care type? Take the care quiz.

What can you afford?

Here is what different monthly budgets cover in Montana.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in Montana runs about $5,783 a month. Income-restricted affordable senior housing is the other common choice. Ask each property about its income limits. If money is very tight, ask about Medicaid waivers.
Affordable senior apartments →
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care usually falls here. Full-time care at 44 hours a week runs about $7,245 a month. The local assisted living median is $6,075 a month, and smaller homes often charge less. If Medicaid may apply, ask about waiver programs.
Medicaid & waiver paths →
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the Montana assisted living median of $6,075 a month with room to spare. It also covers close to full-time home care, about $7,245 a month.
How families pay →
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in Montana run about $8,973 a month at the median. Around-the-clock home care usually costs more.
How families pay →

How to pay for independent living in Montana

Private pay (savings, income, home equity)Most common
The default payer for most families at the start, especially for assisted living and in-home care. Often combined with a second source once savings run low.
Long-term care insuranceCommon
Pays toward care costs if a policy was purchased in advance, usually years before care is needed. Policy terms (daily/monthly benefit caps, elimination periods) vary widely. Check the policy documents directly.
Medicaid (state-run, income- and asset-limited)Common
Covers nursing home care in every state, and many states offer Home & Community-Based Services (HCBS) waivers that extend Medicaid to assisted living or in-home care. Eligibility rules and waiver availability are state-specific.
VA Aid & Attendance (veterans and surviving spouses)Situational
An added benefit on top of a VA pension for eligible wartime veterans (or surviving spouses) who need help with daily activities. Requires meeting service, income, and care-need criteria.
MedicareNarrow eligibility
Does not cover long-term custodial care (help with daily living). It can cover short-term skilled nursing or home health following a qualifying hospital stay, under specific conditions.

If private pay is the plan, an advisor can match communities within that number at no cost. Sponsored

Medicaid and every admission will ask who can sign for your parent. Get the power of attorney done online. Sponsored

Long-Term Care Ombudsman

Montana Long-Term Care Ombudsman Program helps residents of nursing homes, assisted living, and similar settings in Montana resolve concerns about care and rights.

Find your local ombudsman

Medicaid programs for care at home

  • Big Sky Waiver. Montana 1915(c) Big Sky Waiver for adults 65+ and younger adults with physical/other disabilities (CMS factsheet).

National helplines

Frequently asked questions

How much does independent living cost in Montana?

We don't have a sourced estimate for Montana yet. Check back as our cost model expands, or see the independent living national page for now.

Find Montana care options

Tell us what you need and your budget. We'll email you licensed options nearby the same day.

Find care options →

Browse by city in Montana

Billings

Other care types in Montana

In-Home CareHome Health CareAssisted LivingMemory CareNursing HomesAdult Day CareContinuing Care Retirement Communities (CCRC)

Family tools