Senior Apartments in Montana

How much does senior apartments cost in Montana?

Senior apartments are the most affordable senior-housing option because no services are bundled into the rent. Market-rate rents typically run $900-$2,500/month depending on city and apartment size. HUD-subsidized senior apartments cap rent at roughly 30% of the resident's monthly income, which can mean rents as low as $200-$400/month for qualifying low-income seniors. Medicare and Medicaid do not pay for senior apartments directly.

Surprisingly, the cost of living in Montana is almost 7 points more than the national average, but there is a catch. The cost of living comes from its groceries and housing are much more, but the median home cost and rent are less. Also, the utilities are nearly 12 points below the national average. So, it is possible to find an affordable home to retire to with low utility costs with a bit of luck. If you can find that, you're in for a state that can be breathtaking for you to be in, and we believe that you will love what you see. Montana's cost-of-living index is 106.9 (100 = US average). The median home price is around $230,600. Average rent runs about $810 a month.

Senior Apartments in Montana: common questions

How much does senior apartments cost in Montana?

Surprisingly, the cost of living in Montana is almost 7 points more than the national average, but there is a catch. The cost of living comes from its groceries and housing are much more, but the median home cost and rent are less. Also, the utilities are nearly 12 points below the national average. So, it is possible to find an affordable home to retire to with low utility costs with a bit of luck. If you can find that, you're in for a state that can be breathtaking for you to be in, and we believe that you will love what you see. Senior Apartments runs $900 - $2,500 per month (US market-rate, 2026) nationally, and costs vary across Montana by city, care level, and community.

How many senior apartments communities are in Montana?

We list 2 senior apartments communities across 2 cities in Montana. Browse by city below to compare and request pricing.

How are senior apartments different from independent living?

Senior apartments are rental housing - you sign a lease, pay rent, and handle meals/transportation/activities yourself. Independent-living communities bundle dining, organized activities, transportation, and amenities into a higher monthly fee. Senior apartments cost less but include less; independent living costs more but does more.

What is a HUD Section 202 senior apartment?

HUD Section 202 is a federal program that funds the construction and subsidy of affordable senior-housing communities for low-income residents age 62 and older. Residents pay roughly 30% of their adjusted monthly income toward rent and HUD covers the rest. Buildings are operated by nonprofit sponsors. The Section 8 Project-Based Rental Assistance program subsidizes similar housing at private senior apartments. Waitlists are typically long.

How do I qualify for a HUD-subsidized senior apartment?

Eligibility usually requires: at least one household member age 62 or older (for Section 202), US citizenship or eligible-immigration status, and household income at or below 50% of the Area Median Income (AMI) for your county. Specific limits vary by location - your local Public Housing Agency can confirm. You apply directly to each property; there is no single national list.