Montana Senior Living Options & Resources

Senior Living in Montana: What You Need to Know

Montana's senior population of 217,665 residents aged 65 and older represents 19.7% of the state's 1.1 million total population, slightly above the national average. This growing demographic reflects Montana's appeal to retirees seeking natural beauty, outdoor recreation, and a peaceful lifestyle. With a median age of 40.2 and median household income of $69,922, Montana offers a balanced community where seniors can find both affordable living options and quality care.

The state's senior living infrastructure includes 8 communities distributed across 3 major cities: Billings (3 communities), Bozeman (3 communities), and Missoula (2 communities). These population centers offer various care options including assisted living, memory care, independent living, and skilled nursing facilities. Montana's senior care landscape is characterized by smaller, community-focused facilities that provide personalized attention in settings that embrace the state's natural surroundings.

Cost-wise, Montana offers significant savings compared to national averages. Assisted living in Montana averages $5,605 per month, approximately 5% below the national average of $5,900. Nursing home care is even more affordable, with semi-private rooms averaging $8,813 monthly compared to the national figure of $9,277. These lower costs, combined with Montana's lack of sales tax and moderate property taxes, make the state financially attractive for seniors on fixed incomes.

Healthcare infrastructure in Montana includes major systems like Billings Clinic, Benefis Health System in Great Falls, and St. Patrick Hospital in Missoula, providing comprehensive medical services. The state's Medicaid program offers Home and Community-Based Services (HCBS) waivers that help eligible seniors receive care in assisted living settings rather than nursing homes. Montana's vast geography and rural character mean that while major cities offer concentrated services, seniors in smaller communities may need to travel for specialized care. The state's emphasis on aging in place has led to robust home care services, with home health aide costs averaging $5,938 monthly.