This section is generated from cached city metrics and clearly labeled state-level benchmarks. It is meant to make the Harlowton page less generic and more useful for comparing housing, income, utilities, taxes, insurance, demographics, and nearby alternatives.
Affordability Summary
Population is 1,054, so Harlowton should be compared with similar-size places before using broader Montana averages. Median household income is $53,750, so the best affordability read for Harlowton is income versus housing, taxes, utilities, and insurance together.
Median home value is $178,800, so ownership costs in Harlowton should be checked with mortgage, property tax, insurance, and maintenance assumptions. Two-bedroom rent is $766/mo, so renters can compare Harlowton against ownership costs and nearby rental markets.
Housing and Income Context
For Harlowton, income is more constrained, so utilities, rent, and taxes deserve extra attention. Home values are comparatively low, but maintenance, taxes, and utilities still matter.
Use the home value, rent, and income fields together before deciding whether Harlowton looks more favorable for renting, buying, or comparing with Big Timber, MT.
Utility Cost Context
The residential electricity benchmark is $0.135/kWh, so Harlowton households should treat usage, home size, heating, and cooling as the practical bill drivers. The electricity value shown for Harlowton is a Montana state-level EIA benchmark, so it should not be read as a local provider tariff.
For Harlowton, utility planning is stronger when the electric benchmark is paired with home age, square footage, insulation, HVAC equipment, and household occupancy.
Property Tax Context
Median property tax paid is $1,203, so Harlowton buyers should still verify parcel-specific tax records before budgeting. Parcel boundaries, exemptions, school districts, and reassessment rules can move the actual bill for a Harlowton address.
Compare the property tax field with home value rather than reading it by itself; a lower tax bill can still pair with a different assessment base or exemption profile.
Insurance and Risk Context
Insurance costs in Harlowton depend on address-level factors such as roof condition, structure age, coverage limits, claims history, deductible choice, and carrier underwriting.
Home value, tax burden, and insurance exposure should be reviewed together for Harlowton, especially when comparing with Big Timber, MT.
Population and Demographics
Median age is 50.8, so Harlowton may have different school, commute, healthcare, and housing demand patterns than a statewide average. Bachelor+ share is 13.0%, so Harlowton education context can be useful when reading labor-market and school sections.
Unemployment is 3.5%, so Harlowton wage and job-market context should be compared with commute options and regional employment centers.
