IncomeBy County

Phillips County, Montana

Income Data

-7% vs. Montana average
$58,156
Median Household Income
$34,241
Per Capita Income

At a Glance

Median Household Income
$58,156
-7% vs. state avg
Per Capita Income
$34,241
-13% vs. national
Income-to-Housing Ratio
33.2%
income as % of home value
Rank in Montana
#34 / 56
by median household income

How Phillips County Compares

Phillips County$58,156
Montana Average$62,295
National Median$74,755

Detailed Income Statistics

$58,156
Median Household Income
$34,241
Per Capita Income
$175,000
Median Home Value
33.2%
Income-to-Housing Ratio

Data Story

About Household Income in Phillips County, Montana

Phillips lags but remains stable nationally

Phillips County's median household income of $58,156 sits 22% below the U.S. median of $74,755, placing it in the lower income tier of American counties. The per capita income of $34,241 falls slightly below the national per capita average, reflecting limited economic diversification in this rural area. Despite these gaps, the county maintains relatively stable employment patterns.

Lower-middle tier within Montana

Phillips County ranks in Montana's lower-middle range with a median household income of $58,156, trailing the state average of $62,295 by 6.6%. The per capita income of $34,241 notably underperforms the state average of $35,700, indicating narrower household wealth distribution. The county sits at the margin of economic challenge in Montana's rural landscape.

North-central Montana's lower end

Phillips' $58,156 median income sits slightly below neighbors Musselshell ($59,010) and Petroleum ($59,318), making it the weaker performer in its economic cluster. Only Pondera County ($53,500) ranks notably lower in the region, while Powder River County ($68,009) significantly outearns the area. The county's ranching and agricultural base limits higher-wage employment opportunities.

Most affordable housing in the region

Phillips County's median home value of $175,000 represents just 3 years of median household income—the most favorable affordability ratio among its neighbors. The 12.9% rent-to-income ratio is the lowest in the region, providing genuine housing security at all income levels. This affordability advantage is the county's primary economic strength for working families.

Maximize affordability advantages now

Phillips County residents should treat the county's exceptional housing affordability as a wealth-building window; building home equity here happens faster than in most of America. Even modest income households can allocate 15% to retirement savings when rent or mortgage costs stay below 13% of income. Reinvest housing savings into education, business skills, or small-business ventures to increase earning power.

Frequently Asked Questions

What is the median household income in Phillips County, Montana?
The median household income in Phillips County, Montana is $58,156, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Phillips County?
The per capita income in Phillips County is $34,241, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $58,156.
How does Phillips County compare to the Montana average?
Phillips County's median household income of $58,156 is lower than the Montana state average of $62,295. The per capita income is $34,241, compared to the state average of $35,700.
What is the per capita income in Phillips County, Montana?
The per capita income in Phillips County, Montana is $34,241, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is Phillips County a low-income area in Montana?
Phillips County's median household income of $58,156 is below the Montana average of $62,295. The per capita income of $34,241 is also lower than the state average of $35,700. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does Phillips County rank for income in Montana?
Phillips County ranks #34 out of 56 counties in Montana by median household income (1 = highest). With a median household income of $58,156 and per capita income of $34,241, it falls in the middle third of counties statewide.

Income Comparison Calculator

See how your household income compares in Phillips County

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Your income is above the Phillips County median

County median: $58,156 per year

vs. County Median

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vs. State Average

-7%

vs. National Median

-22%

vs. Phillips County MedianAbout equal
vs. Montana Average▼ 7% below
vs. National Median▼ 22% below

Income Adequacy

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Your monthly income ($4,846) vs. median rent ($623/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Counties with Similar Income Levels

Montgomery County
Alabama
$58,153
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Rhea County
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$58,133
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Keith County
Nebraska
$58,132
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Irion County
Texas
$58,125
+0%
Madison County
Tennessee
$58,189
+0%
Mobile County
Alabama
$58,119
+0%
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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.

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