Montana Airbnb Calculator
Project a Montana short-term rental with state property-tax and insurance defaults, editable platform fees, lodging-tax treatment, operating expenses, cash flow, and break-even occupancy.
Local verification required. Montanadefaults do not determine whether an STR is legal at a specific address. Verify city, county, zoning, HOA, primary-residence, permit, tax-registration, and platform collection rules before relying on the projection.
Montana STR assumptions
This page seeds the calculator with a starting property value of $400,000.00 and a starting ADR of $144.00. These are screening defaults, not local revenue data. Replace them with nearby comparable STRs, seasonality, and actual booking history when available.
Property tax is seeded from the Montana effective property-tax rate of 0.61%. Insurance uses the same state risk model as the other REI analyzers. Lodging tax is deliberately user-entered because city, county, tourism, convention, and occupancy taxes are often local.
STR diligence note from the Montana investing profile: No statewide restrictions. Bozeman has enacted STR regulations. Whitefish and Big Sky have active STR ordinance frameworks. Missoula has been debating STR limits. Resort and university towns in MT are rapidly adding STR regulations.
Market context: Billings/Yellowstone County (largest city, most diverse economy, hybrid). Missoula/Missoula County (university + outdoor recreation, appreciation driven). Bozeman/Gallatin County (fastest-growing, tech/remote workers, appreciation market). Great Falls/Cascade County (military — Malmstrom AFB, affordable cash flow). Kalispell/Flathead County (Glacier Park gateway, STR/appreciation).
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