Cut Bank, MT vs Wolf Point, MT: Cost of Living

Which city costs less?

Wolf Point, MT has a modeled overall cost index 1.3% lower than Cut Bank, MT.

Cut Bank, MT · modeled 2BR rent
$1,340 / month
Wolf Point, MT · modeled 2BR rent
$1,350 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Cut Bank, MT and Wolf Point, MT using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Estimated savings: $80.58/month in Wolf Point, MT

$150,000 in your current city has a modeled equivalent of $149,033 in Wolf Point, MT

Regional cost estimates: Cut Bank, MT uses Spokane, WA. Wolf Point, MT uses Spokane, WA. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 1.3%
Less expensive
Monthly Impact
$80.58
Savings
Annual Impact
$967
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Cut Bank, MT

Population:3K
Cost Index:
72.6
100 = national average
Typical Home:$166K

Wolf Point, MT

Population:3K
Cost Index:
71.7
100 = national average
Typical Home:$138K

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Cut Bank, MT

The Treasure State

3K
Population
State Tax
Yes

Located in Montana, this city has a population of 3K residents.

Wolf Point, MT

The Treasure State

3K
Population
State Tax
Yes

Located in Montana, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Cut Bank, MT vs Wolf Point, MT

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 1.3%
Cut Bank, MT
$1,893
Wolf Point, MT
$1,869
Difference
$24.35
less
Transportation
↓ 1.3%
Cut Bank, MT
$1,727
Wolf Point, MT
$1,705
Difference
$22.21
less
Other
↓ 1.3%
Cut Bank, MT
$1,401
Wolf Point, MT
$1,383
Difference
$18.02
less
Groceries
↓ 0.6%
Cut Bank, MT
$1,122
Wolf Point, MT
$1,115
Difference
$7.24
less
Healthcare
↓ 0.6%
Cut Bank, MT
$857
Wolf Point, MT
$851
Difference
$5.53
less
All Utilities
↓ 0.6%
Cut Bank, MT
$500
Wolf Point, MT
$497
Difference
$3.23
less

🏠Rent Comparison

Studio
From$1,000
To$990
↓ $10.00
1 Bed
From$1,090
To$1,040
↓ $50.00
2 Bed
From$1,340
To$1,350
↑ $10.00
3 Bed
From$1,610
To$1,850
↑ $240
Cut Bank, MTZIP-level data

1BR range: $1,090–$1,090/mo

Wolf Point, MTZIP-level data

1BR range: $1,040–$1,040/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Cut Bank, MT
$7,419
Monthly in Wolf Point, MT
$80.58
Difference

Home Values

Cut Bank
Wolf Point
$166K
Median Value
$138K
↓ -3.7%
YoY Change
↑ +2.9%
↑ +70.2%
5-Year Change
↑ +43.1%

Homes in Wolf Point are 17% less expensive than Cut Bank

Calculate payment - Cut BankCalculate payment - Wolf Point

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Cut Bank, MT

Federal Income Tax
Effective: 18.9%
$25.5K
Montana State Tax
Effective: 6.4%
$9.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.1%
$46.6K
Take-Home Pay
$8,618/month
$103.4K

Wolf Point, MT

Federal Income Tax
Effective: 18.9%
$25.5K
Montana State Tax
Effective: 6.4%
$9.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.1%
$46.6K
Take-Home Pay
$8,618/month
$103.4K

Additional Tax Information

Cut Bank, MT Tax Rates

Sales Tax:0.0%
Property Tax:0.8%

Wolf Point, MT Tax Rates

Sales Tax:0.0%
Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Cut Bank
Wolf Point
38 Good
Air Quality
38 Good
76.5%
Good Air Days
76.5%
90 Moderate
Climate Risk
90 Moderate
💨
Top Hazards
💨
▲+3.0°F
2050 Outlook
▲+3.0°F
23 days
Heat Days >95°F
23 days
▲+3.0°F
2050 Outlook
▲+3.0°F
23 days
Heat Days >95°F
23 days

Before moving from Cut Bank, MT to Wolf Point, MT

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Wolf Point, MT for the same bedroom count and included utilities as your home in Cut Bank, MT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cut Bank to Wolf Point moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Wolf Point, MT by cost, housing, population and region.

Frequently Asked Questions: Cut Bank, MT vs Wolf Point, MT

How do the cost estimates for Cut Bank, MT and Wolf Point, MT compare?

Wolf Point, MT has a modeled overall cost index 1.3% lower than Cut Bank, MT. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Cut Bank, MT, the model estimates $149,033 in Wolf Point, MT. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Cut Bank, MT and Wolf Point, MT?

The modeled two-bedroom rents are $1,340/month in Cut Bank, MT and $1,350/month in Wolf Point, MT. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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