1st Advantage MortgageRoosevelt County households have a median income of $57,063 and median rent of $705 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Montana license first.
On this page
- Who lives in Roosevelt County
- How much Roosevelt County households make
- Roosevelt County housing compared with Montana
- Work, industries and travel time in Roosevelt County
- Towns and communities in Roosevelt County
- The counties around Roosevelt County
- Budget math at the Roosevelt County median
- Borrowing situations common in Roosevelt County
- Who lives in Roosevelt County, in numbers
- Who licenses lenders for Roosevelt County residents
- Steps before you apply in Roosevelt County
- Related local guides
- Frequently asked questions
Who lives in Roosevelt County
Roosevelt County is home to about 10,526 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 21st most populous of 56 county-level areas in Montana. Spread over 2,355 square miles, that works out to roughly 4.5 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Wolf Point is the biggest of its 6 Census places, at roughly 2,602 people (25% of the county total).
How much Roosevelt County households make
Half of Roosevelt County households take in less than $57,063 a year and half take in more, 21% below the Montana median of $72,509. In the state ranking that is 46th of 56.
| Yearly household income | Roosevelt County | Gap to Montana |
|---|---|---|
| Under $35,000 | 33.5% | +11.0 pts |
| $35,000 to $99,999 | 43.8% | +1.0 pts |
| $100,000 to $199,999 | 18.1% | -7.5 pts |
| $200,000 or more | 4.6% | -4.5 pts |
Some 34% of households here live on less than $35,000 a year; 23% have six-figure incomes. Census counts 30.4% of Roosevelt County residents in poverty, against 11.5% across Montana. Income inequality, measured by the Gini index, comes to 0.458 here. None of these numbers decides a Roosevelt County application. Lenders weigh your own documented income against your own debts.
Roosevelt County housing compared with Montana
A typical Roosevelt County rental runs $705 a month including utilities, which is 35% below Montana. 32% of renting households spend 30% or more of income on rent, and 17% spend half or more. The median owner-occupied home is valued at $118,800, about 2.1 times the median household income. 67% of Roosevelt County households own their home and 33% rent. Median construction year: 1974.
| Measure | Roosevelt County | Montana | Median U.S. county |
|---|---|---|---|
| Median gross rent | $705/mo | $1,081/mo | $877/mo |
| Median home value | $118,800 | $375,800 | $185,300 |
| Owners | 67% | 69% | 75% |
| Rent-burdened renters | 32% | 45% | 45% |
| Burdened owners | 30% | 30% | n/a |
| Vacant units | 24% | 13% | n/a |
Work, industries and travel time in Roosevelt County
Education and health care employs 26% of working residents, the largest share; public administration is next with 16%. Compared with Montana, the county leans toward public administration (16% against 6%). Averaged over the five survey years, 10.8% of the labor force was out of work and looking. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work.
| Top industries | Roosevelt County share | +/- vs Montana |
|---|---|---|
| Education and health care | 25.7% | +2.5 pts |
| Public administration | 15.7% | +9.9 pts |
| Retail trade | 15.3% | +3.6 pts |
| Agriculture, forestry and mining | 10.4% | +4.3 pts |
| Arts, lodging and food service | 7.0% | -3.5 pts |
| Transportation, warehousing and utilities | 6.9% | +1.9 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Roosevelt County should have bank statements and tax returns ready.
Towns and communities in Roosevelt County
The table lists the 6 largest of 6 Census places in Roosevelt County, by population. Together all 6 hold about 4,901 people, so roughly 53% of residents live outside any named place. Culbertson has the highest median household income on the list ($101,136) and Poplar the lowest ($43,438), counting places with at least 500 residents. Median rent ranges from $665 in Poplar to $1,154 in Culbertson. This guide covers each of the 6 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Wolf Point | city | 2,602 | $52,868 | $734 | 33 mi |
| Poplar | city | 635 | $43,438 | $665 | 15 mi |
| Culbertson | town | 567 | $101,136 | $1,154 | 24 mi |
| Brockton | CDP | 439 | n/a | n/a | 10 mi |
| Bainville | town | 334 | $92,917 | $788 | 37 mi |
| Froid | town | 324 | $72,000 | $550 | 23 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Roosevelt County
Distances run center to center, from Sheridan County at 36 miles out to Dawson County at 70. 5 of the six report a higher median household income than Roosevelt County; Williams County is highest at $85,595 and Daniels County lowest at $55,625. The list crosses into North Dakota, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Roosevelt County | - | $57,063 | $705/mo | 67% |
| Sheridan County, MT | 36 mi | $70,147 | $746/mo | 72% |
| Richland County, MT | 40 mi | $73,084 | $917/mo | 67% |
| Daniels County, MT | 43 mi | $55,625 | $581/mo | 83% |
| McCone County, MT | 57 mi | $69,375 | $556/mo | 90% |
| Williams County, ND | 69 mi | $85,595 | $1,123/mo | 53% |
| Dawson County, MT | 70 mi | $71,334 | $815/mo | 72% |
Budget math at the Roosevelt County median
Here is the Roosevelt County median household run through a simple DTI check. Your numbers will differ.
- Start: $4,755 gross per month ($57,063 / 12)
- Median rent: $705, or 15 cents of every gross dollar
- At 35%, room after rent is $959 a month
- With a 45% ceiling, about $1,435 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Roosevelt County
Based on the Roosevelt County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Roosevelt County. For the 25% of residents without coverage, the provider's charity-care program comes before any loan (details).
- 30% below poverty. Emergency aid, payment plans and counseling (list) come first.
- Consolidating cards in Roosevelt County. Compare the total repaid, not the monthly figure (how).
Who lives in Roosevelt County, in numbers
College graduates make up 21% of the adult population. 25.2% of residents have no health coverage.
| Measure | Roosevelt County | Montana statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 30.9 | 40.4 | 41.5 |
| Bachelor's or higher | 21.2% | 35.2% | 22.2% |
| No high school diploma | 8.5% | 5.4% | n/a |
| No health insurance | 25.2% | 8.6% | 7.8% |
| No vehicle | 10.4% | 4.7% | 5.4% |
| Work from home | 3.9% | 12.5% | 8.7% |
| Poverty rate | 30.4% | 11.5% | 13.2% |
| Unemployment (ACS) | 10.8% | 3.6% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 52.1% |
| 15 to 29 min | 25.6% |
| 30 to 44 min | 10.0% |
| 45 to 59 min | 7.0% |
| 60+ min | 5.3% |
Who licenses lenders for Roosevelt County residents
Licensing happens at the state level, so a lender working with Roosevelt County borrowers answers to the Montana Division of Banking and Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. More on Montana: Montana personal loans.
Steps before you apply in Roosevelt County
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Montana license before giving out your Social Security number.
- Ask about early-payoff penalties.
Related local guides
The Montana guide covers the whole state.
Frequently asked questions
Is Roosevelt County a high-income county?
Its $57,063 median ranks 46th of 56 Montana counties and compares with $65,681 for the median U.S. county.
How does Roosevelt County rent compare with Montana?
$705 locally versus $1,081 for the state, 35% below.
Which towns does the Roosevelt County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Wolf Point, Poplar, Culbertson, Brockton, Bainville.
Are Roosevelt County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who do I complain to about a lender in Roosevelt County?
Start with the Montana Division of Banking and Financial Institutions, then the CFPB complaint portal. Keep copies of every message.