Montana 55+ Active Adult Retirement Communities

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Montana is beginning to have a big appeal for active adults and retirees. Montana boasts an endless list of recreational opportunities, making 55+ communities in Montana an outdoor adventurer s mecca. While Montana s rugged, mountainous landscape is the main attraction, Montana also boasts several charming small towns and cities that draw exciting cultural events and hosts museums, restaurants and several breweries. Living in an age-restricted community in Montana means enjoying the great outdoors without sacrificing the culture and conveniences of urban living.

Climate & Geography

Montana is bordered by North Dakota and South Dakota to the east, Wyoming to the south, Idaho to the west, and the Canadian provinces of Alberta, British Columbia, and Sakatchewan to the north. Montana, which is home to many age-targeted communities, is the fourth largest state in the country but 44th in population and 48th in population density.

Active adult communities in Montana benefit from living in a geographically diverse state. The Continental Divide splits Montana into two distinct regions, east and west. The western portion is a part of the Northern Rocky Mountains and features most of Montana s named mountain ranges, of which there are over 100. The eastern region of Montana is dominated by a prairie landscape periodically punctuated by isolated mountain ranges. River valleys are between several of the mountain ranges and allow for many recreational opportunities for residents of active adult communities in Montana.

55+ communities in Montana experience very different climates depending upon whether they are in the western or eastern region of the state. The western region experiences a milder climate than the east as the Continental Divide restricts the warmer Pacific air from moving beyond the western part of the state. The average daytime temperatures are 28 degrees Fahrenheit in January and 84.5 degrees in July. Summer nights are generally cool and pleasant. The winter can bring dramatic cold spells from continental air from Canada, while airflow from the southwest, called Chinooks, brings sudden warmth to eastern parts of Montana that can see temperatures rise to 50 to 60 degrees for several days. Age-restricted communities in Montana experience annual precipitation of 15 inches, although this can range from eleven inches in the more arid parts of the state to more than 100 inches in the mountain ranges.

Recreation, Culture & Entertainment

Montana has several recreational options spread across its 147,000 square miles. 55+ communities in Montana benefit from the diverse climates found throughout the state giving active adults and retirees year-round opportunities to explore Montana s natural beauty. Montana features world-class trout fisheries and is the home of the Federation of Fly Fishers. Residents of age-targeted communities can also find terrific lakes for catching salmon, Walleye, Northern Pike and catfish. Big game hunting is also a popular pastime in Montana with large populations of elk, moose, pronghorn antelope, and deer. Active adult communities in Montana are also near 15 developed downhill ski areas for the more adventurous residents.

Montana gives sports fans plenty to cheer about with four minor league baseball teams, two universities that are members of the Big Sky Conference, and eight junior hockey teams. Great Falls has the Lewis & Clark Interpretive Center, museums, local restaurants, and boutique shops. Billings, the largest city in the state, has several theaters, a symphony orchestra, and museums. Billings hosts several events throughout the year, such as food festivals, a hot air balloon show, an artwalk, and a classic car show. Missoula has over 400 acres of parkland, a historic downtown district that reflects its importance as a frontier town, and local vineyards for the wine lover. Golf enthusiasts will also enjoy the dozens of courses throughout the state that offer breathtaking views of the picturesque Montana landscape as well as hosting several casinos.

Cost of Living & Taxes

The cost of living in Montana is generally higher than that of the rest of the country. Although residents of 55+ communities in Montana can expect to spend more on groceries, healthcare and housing, on average they spend less on utilities and transportation.

Although the cost of goods are generally higher, residents of age-restricted neighborhoods in Montana benefit from low taxes. There are seven income tax brackets in Montana that range from one percent to 6.9 percent on incomes that are above $16,701. The state of Montana does not impose a sales tax yet counties in Montana collect an average of $1,465 in property taxes per home. Montana also taxes pensions and social security. Active adults above the age of 62 who choose to live in an age-restricted community in Montana benefit from a homeowner tax credit. Montana has been known for having a fair tax structure.


Montana has over 60 hospitals, five of which have been recognized for strong performances. Billings has the Billings Clinic and St. Vincent Healthcare, achieving high marks for their pulmonology treatment. St. Patrick Hospital in Missoula has five high-performing specialties including orthopedics, urology and pulmonology. Those who choose an active adult community in Montana will also have Benefis Hospital in Great Falls with high-performing specialties in gynecology, nephrology, and pulmonology.

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