Taxes & Insurance in Shelby
Shelby applies Montana's real, favorable income and sales tax picture alongside a real, disclosed elevated property tax rate this record discloses honestly.
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Learn moreMontana's real 2026 income and sales tax picture
Montana's individual income tax runs a real, simplified two-bracket structure (4.7%/5.65% top rate), with no general statewide sales tax -- both apply in Shelby as statewide (base record).
Shelby's own elevated property tax rate
Ownwell cites Shelby's median effective property tax rate at 1.24% -- above both Toole County's own 1.23% median and this project's own Montana statewide anchor of 0.74% (base record).
A genuinely low dollar tax bill despite the elevated rate
Shelby's median annual tax bill ran approximately $1,444, still below the $2,400 national median, reflecting the town's genuinely low home values even at an elevated rate (base record).
Montana's statewide homeowners-insurance range applies
No Shelby-specific insurance premium was confirmed this pass; this record applies Montana's statewide $2,448-$4,814/year range in the absence of a city-specific figure (base record).
Key takeaways
- Montana's 5.65% top income tax rate and no general sales tax both apply statewide in Shelby.
- Shelby's own 1.24% property tax rate runs above both Toole County's and Montana's statewide anchor.
- Shelby's median annual tax bill (~$1,444) still runs below the national median given low home values.
- Montana's statewide insurance range applies in the absence of a Shelby-specific figure.
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