Taxes & Insurance in Red Lodge
Red Lodge applies a real, current 4% local resort tax alongside a genuinely favorable property tax rate, a distinct combination this record discloses directly.
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Learn moreA real, verified 4% local resort tax
Red Lodge is one of Montana's real, verified designated resort communities, levying a genuine, current combined 4% resort tax (3% base + 1% infrastructure add-on under 2019's SB 241) on most retail goods and services, set to expire July 9, 2045 (base record).
Montana's real 2026 state income tax rate
Montana's individual income tax tops out at 5.65% (2026) on income above $47,500 (single/MFS) or $95,000 (MFJ), applying in Red Lodge as statewide (base record).
A genuinely favorable property tax rate
Red Lodge's own effective property tax rate ran approximately 0.69% per Ownwell -- below both the national median (1.02%) and that source's own cited Montana statewide median (0.83%), though Red Lodge's median annual tax bill ($2,616) still runs above the national median given elevated home values (base record).
Homeowners insurance follows Montana's statewide elevated picture
No Red Lodge-specific figure was confirmed this pass; Montana's own statewide average premium spread runs approximately $2,448-$4,814/year, a real, disclosed consideration given Red Lodge's forested wildfire-relevant setting (base record).
Key takeaways
- Red Lodge's real, current 4% combined resort tax is a genuine exception to Montana's usual no-sales-tax identity.
- Montana's 5.65% top state income tax rate (2026) applies in Red Lodge as statewide.
- Red Lodge's 0.69% effective property tax rate runs genuinely favorable, though its median annual bill still exceeds the national median.
- Montana's statewide homeowners insurance runs genuinely elevated; confirm a Red Lodge-specific quote directly.
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