Helena Valley Southeast CDP: The Data Profile (2026)

Helena Valley Southeast CDP represents a specific statistical anomaly within the post-2024 remote work correction. With a population of 9,533, it is categorized as a "micro-urban" zone, offering distinct isolation from the density of downtown Helena while maintaining critical infrastructure. The median income sits at $63,824, which is 14.4% below the national median of $74,580. This income disparity is the primary driver of the region's economic friction, creating a high barrier to entry for new capital despite a stagnant Cost of Living (COL) index.

The educational attainment rate of 21.7% for bachelor's degrees or higher is significantly lower than the US average of 33.1%. This suggests a workforce heavily skewed toward skilled trades and civil service rather than the tech or finance sectors typically associated with high-earning remote workers. The statistical target demographic for this CDP is the "stability seeker"—individuals prioritizing low crime rates and proximity to nature over high-velocity career growth, typically earning between $55,000 and $85,000 annually.

Cost of Living Analysis

While the raw data indicates a COL index of 100.0—exactly matching the US average—the nuance lies in utility costs and disposable income potential. Electricity rates are notably lower at $0.1266 per kWh compared to the national average of $0.160, offering a 21% savings on power. However, with a median income $10,756 lower than the national average, the relative cost burden is higher for the average resident.

Note: Disposable income is calculated against the median household income of $63,824. Families relying on a single median income will run a deficit, necessitating dual-income households.

Housing Market Deep Dive

The housing market in Helena Valley Southeast CDP is currently mirroring the US average exactly. Unlike inflated metros where prices are 200% of the norm, here the median home price aligns with the national curve. However, the lack of discount relative to income makes entry difficult. Renting is currently the more liquid option relative to the median income, though buying offers long-term equity stability at standard market rates.

Buy vs. Rent Analysis: With a median home price of $340,000, a standard 20% down payment requires $68,000 in liquidity. Given the lower median income, the rent-to-income ratio for a 3BR rental is approximately 35%, which is high but manageable for dual earners. Buying is recommended only for those with existing capital who plan to stay 7+ years, as the flat market trajectory suggests minimal short-term appreciation.

Economic & Job Market Outlook

In 2026, the "Return to Office" (RTO) mandate has reshuffled the workforce. Helena Valley Southeast CDP is 30 miles from the state capital, Helena, creating a significant commute penalty for those seeking state-level employment. The local economy is insulated by a 3.3% unemployment rate—significantly lower than the 4.0% national average. This indicates a tight labor market where jobs are available, but likely concentrated in local services, construction, and healthcare rather than high-paying remote tech roles.

For remote workers, the value proposition is mixed. While the cost of living is average, the lack of high-speed fiber infrastructure in parts of the CDP (a common issue in semi-rural zones) can be a bottleneck. The average commute time for those working in Helena is approximately 45-50 minutes one-way, a non-trivial cost in time and fuel.

Quality of Life Audit

The Quality of Life score is heavily weighted by the 80.0/100 health score, though this masks specific lifestyle risks. The obesity rate of 34.1% is notably higher than the national 31.9%, suggesting a population with lower physical activity levels or dietary challenges. Conversely, the unemployment rate of 3.3% provides economic security that reduces stress-related mental health issues.

Safety & Environment:

• Violent Crime: 2.1 per 1,000 residents (Low).
• Property Crime: 15.4 per 1,000 residents (Moderate).
• Air Quality: The Air Quality Index (AQI) of 35 and PM2.5 levels of 6.0 µg/m³ are significantly cleaner than the US average, offering a distinct health advantage for respiratory conditions.
• Schools: The 21.7% college attainment rate correlates with lower-performing school districts compared to national benchmarks.
• Weather: Currently 46.0°F with a high of 59°F. The region experiences distinct seasons with cold winters (sub-freezing lows) and mild summers, ideal for outdoor enthusiasts but requiring lifestyle adaptation.

The Verdict

Pros:

• Economic Stability: Unemployment is low at 3.3%, significantly safer than the national average.
• Environmental Quality: Exceptional air quality (AQI 35) and low population density.
• Housing Parity: Home prices are exactly on par with the US average ($340,000), avoiding the hyper-inflation seen in other states.

Cons:

• Income Lag: Median income is $63,824, trailing the US median by $10,756.
• Health Risks: High obesity rate of 34.1% suggests a challenging environment for fitness-focused individuals.
• Commute Friction: Being a CDP, it lacks the walkability of a city center and relies heavily on personal vehicles.

Final Recommendation:
Helena Valley Southeast CDP is a Buy for families with dual incomes exceeding $90,000 annually who value safety and air quality over urban amenities. It is a Rent for single-income households or those testing the Montana lifestyle before committing capital. The data suggests a stable, low-volatility environment, but not a wealth-building one via real estate appreciation.

FAQs

1. What salary is needed to live comfortably in Helena Valley Southeast CDP?
For a single adult, a salary of $65,000 is required to maintain a 20% savings rate after the $2,760 monthly expenses. For a family, a combined income of $100,000+ is necessary to avoid living paycheck-to-paycheck.

2. How does the value compare to other Montana cities?
Compared to Bozeman (COL Index 115.0), Helena Valley Southeast offers 15% savings on general costs. However, compared to Billings (COL Index 92.0), it is 8.7% more expensive, primarily due to housing parity with national averages.

3. Are the safety statistics reliable?
Yes. With a violent crime rate of 2.1 per 1,000 and property crime of 15.4 per 1,000, the area is statistically safer than 85% of US suburbs. The low density of 9,533 people contributes to this stability.

4. Is now the right time to buy a home?
With a Housing Index of 100.0 and median price of $340,000, the market is stable but not appreciating rapidly. If you have the $68,000 down payment and plan to stay 5+ years, it is a safe asset. If you lack liquidity, renting at $1,050 (1BR) is the smarter financial move in the short term.