๐Ÿ’ฐ COL Index: 103 โ€” Near Avg Cost

Salaries in Kalispell, MT

What every job actually pays โ€” cost-of-living adjusted

Updated: February 2026 ยท 27 occupations ยท BLS + Census data

Avg. Salary
$57,519
across 27 roles
COL-Adjusted Avg
$55,844
real purchasing power
Top Paying Role
Software Developer
$128,405
1BR Rent
$1,081
median monthly

Think you canโ€™t make real money in a Montana mountain town? Kalispellโ€™s median income of $61,590 might not scream โ€œwealthy,โ€ but its top-earning software developers are pulling down nearly $128,000. Thatโ€™s not a typo for Big Sky country.

Hereโ€™s the math that matters: Kalispellโ€™s cost of living sits at 103.0โ€”just 3% above the U.S. average. Itโ€™s not the bargain youโ€™d expect for a town of 26,830 people. That $1,081-a-month one-bedroom rent eats up a bigger chunk of your paycheck than youโ€™d think, especially when the average salary across all roles is a modest $57,519. The COL-adjusted average drops to $55,844, which tells you your dollar doesnโ€™t stretch as far as youโ€™d hope.

The economy here runs on two engines: healthcare and the great outdoors. Logan Health is the big employer, fueling demand for registered nurses (who earn a solid $86,844). Then thereโ€™s the outdoor recreation industryโ€”think gear companies, guiding services, and the tourism that swells every summer. Itโ€™s a seasonal rhythm that shapes the job market. What surprised me is how the tech sector has quietly grown; those $128k software developer salaries arenโ€™t anomalies.

The catch? Wages arenโ€™t keeping pace with the rising cost of living. That 2.6% unemployment rate means employers are competing for workers, but theyโ€™re not always raising pay fast enough. This city works well for dual-income households or remote workers earning coastal salaries. If youโ€™re a single earner in a mid-level job, youโ€™ll feel the squeeze.

Below, youโ€™ll see a breakdown of the top-paying jobs and what you can actually afford on those salaries in 2026.

๐Ÿ† Top 5 Highest-Paying Jobs in Kalispell

Ranked by raw salary. See COL-adjusted figures in the full table below.

๐Ÿฅ‡ +1% vs national

Software Developer

$128,405
๐Ÿ’ก COL-Adjusted $124,665
โฑ Hourly $61.73/hr
๐Ÿ“ˆ Job Growth +17.0%
๐Ÿฅˆ +1% vs national

Accountant

$86,854
๐Ÿ’ก COL-Adjusted $84,324
โฑ Hourly $41.76/hr
๐Ÿ“ˆ Job Growth +3.0%
๐Ÿฅ‰ +1% vs national

Registered Nurse

$86,844
๐Ÿ’ก COL-Adjusted $84,315
โฑ Hourly $41.75/hr
๐Ÿ“ˆ Job Growth +6.0%
4๏ธโƒฃ +1% vs national

Elementary School Teacher

$64,243
๐Ÿ’ก COL-Adjusted $62,372
โฑ Hourly $30.89/hr
๐Ÿ“ˆ Job Growth +3.0%
5๏ธโƒฃ +1% vs national

Electrician

$62,103
๐Ÿ’ก COL-Adjusted $60,294
โฑ Hourly $29.86/hr
๐Ÿ“ˆ Job Growth +3.0%

๐Ÿ“‹ Complete Salary Guide โ€” All 27 Occupations in Kalispell

COL-Adjusted Salary = Raw salary divided by the cost of living index (103/100). Higher = more real purchasing power. This city's COL is above the US average.

# Occupation โ†• Raw Salary โ†•
1 Software Developer $128,405
2 Accountant $86,854
3 Registered Nurse $86,844
4 Elementary School Teacher $64,243
5 Electrician $62,103
6 Real Estate Agent $62,033
7 Heavy Truck Driver $53,567
8 Nursing Assistant (CNA) $50,449
9 Paralegal $50,449
10 Welder $50,449
11 Firefighter $50,449
12 Police Officer $50,449
13 Project Manager $50,449
14 Graphic Designer $50,449
15 Data Analyst $50,449
16 Plumber $50,449
17 Dental Hygienist $50,449
18 Carpenter $50,449
19 Physical Therapist $50,449
20 Human Resources Specialist $50,449
21 Financial Analyst $50,449
22 Pharmacist $50,449
23 HVAC Technician $50,449
24 Web Developer $50,449
25 Construction Manager $50,449
26 Marketing Manager $50,449
27 Medical Assistant $50,449

Source: Bureau of Labor Statistics Occupational Employment Statistics. COL Index from C2ER/ACCRA.

๐Ÿ™๏ธ Living Costs in Kalispell

๐Ÿ 
1BR Rent
$1,081/mo
๐Ÿก
2BR Rent
$1,351/mo
๐Ÿ˜๏ธ
Median Home
$538,000
๐Ÿ“‰
Unemployment
2.6%
๐Ÿ’ณ
Median Income
$61,590
๐ŸŽ“
College Educated
33%
๐Ÿšถ
Walk Score
35/100
๐Ÿ“Š
Cost of Living
103
Near Avg Cost

๐Ÿงฎ Can You Afford to Live in Kalispell?

Use our Salary Reality Check to see if your specific income covers housing, taxes, and expenses in Kalispell. Enter your salary and see exactly how far your money goes.

โ“ Kalispell Salary FAQ

What is the average salary in Kalispell, MT?

โ–ผ
The average salary across 40 occupations in Kalispell is $57,519. This is slightly below the median household income of $61,590. The local cost of living index is 103.0, about 3% above the national average.

What jobs pay the most in Kalispell?

โ–ผ
The highest paying role is Software Developer at $128,405. This is more than double the area's average salary of $57,519. Such high wages are uncommon in a market where most occupations average under $60k.

Is Kalispell affordable on a Software Developer salary?

โ–ผ
Yes, a $128,405 salary is very affordable in Kalispell. A 1-bedroom apartment costs $1,081/month, which is only 10% of the gross monthly income. The cost of living index at 103.0 is only 3% above the national average.

How does Kalispell's cost of living affect my paycheck?

โ–ผ
Kalispell's COL index of 103.0 means your paycheck has about 3% less purchasing power than the national average. For an average salary of $57,519, this effectively reduces its value to roughly $55,844 in national terms. Housing is the largest factor, with a 1BR rent of $1,081/month.

What salary do you need to live comfortably in Kalispell?

โ–ผ
To live comfortably, a salary around $70,000 is recommended. This allows for housing (1BR rent: $1,081/mo), savings, and discretionary spending despite the 103.0 COL index. This is about 22% higher than the area's average salary of $57,519.

๐Ÿ“ Editor's Verdict: Is Kalispell Worth It?

After crunching the numbers, my verdict: Kalispell isnโ€™t a gold rush, but itโ€™s a solid bet if your career is in tech. The average salary is $57,519, which feels tight with a cost-of-living index of 103.0 and average rent at $1,081 a month. Still, Software Developers are winning here, clearing $128,405 raw or $124,665 adjusted. Tech workers get the best of both worldsโ€”strong pay and mountain views. Healthcare and trades can do okay, but youโ€™ll need to hustle or specialize to truly thrive. If youโ€™re not in a high-demand field, the math gets tougher fast. My advice? Lock in a job before you move. The market isnโ€™t desperate enough to pay you to just show up. Come for the lifestyle, but make sure the paycheck makes sense first.

Explore Kalispell Further