Cost of Living in Townsend

Townsend's cost of living runs genuinely close to Montana's own statewide picture, this record discloses with real, disclosed cross-source spreads rather than one resolved figure.

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Housing carries a real, disclosed spread

Zillow's $455,506 average home value runs modestly below Montana's $467,919 statewide average, while a separate source cites a notably higher $635,000 median list price, plausibly reflecting lake-adjacent demand (base record).

Property tax matches the statewide picture exactly

Townsend's Ownwell-cited 0.74% effective property tax rate matches this project's Montana statewide anchor rate exactly -- neither a local premium nor discount (base record).

Montana's real 5.65% top income tax rate

Montana's real, current two-bracket income tax (4.7%/5.65%) applies in Townsend as statewide, with no general statewide sales tax (base record).

A real, disclosed income-data inconsistency

One source cited an $86,940 median income (22% above Montana), while a separate figure cited $70,752 with a 15.63% poverty rate -- a real, disclosed tension this record does not resolve (base record).

Key takeaways

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Last reviewed: 2026-08-28. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.