City profile · Montana · Census ACS 2023

Finley Point, MT

Finley Point's Census ACS profile: residents, income, housing, and the joined public-record layers available for this place.

436
Residents
$34,519
Median income
$428,700
Median home
$1,336
Median rent (state)
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Side-by-side metrics and state or size-class ranks use the same Census and FBI fields shown on this profile. Results stay in the URL so you can bookmark or share them.

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See how it ranks

State rank, size-class rank, and four peer cities for Finley Point.

Place dossier plate

Sheet MT-FINLEY-POINT-MT · Finley Point, MT 436 pop · income 4th pct

POP-VILLAGE · INC-LOW · COL-BELOW · SAFE-UNK · RANK-BOTTOM · PHOTO-FINISH · HOME-HIGH · BOOK-UNK

  • POP-VILLAGE 436
  • INC-LOW $34,519
  • COL-BELOW 94.6
  • SAFE-UNK Safety pending
  • RANK-BOTTOM 4th
  • PHOTO-FINISH ≈ Catlettsburg
  • HOME-HIGH $428,700
  • BOOK-UNK Tracts pending

Nearest income peer: Catlettsburg, KY (+ $5 income $)

Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.

Income neighbourhood around Finley Point

Lowest/highest poles plus peers nearest Finley Point on median household income. Full ladder: /browse and /rankings.

median HH income

What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-08

Compare beyond this state

Nationwide peers by population, income

Out-of-state nearest neighbors for Finley Point on ACS population and median household income . Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.

Similar population

Nearest out-of-state cities by ACS population. This city: 436.

4 peers

Similar household income

Nearest out-of-state cities by ACS median household income. This city: $34,519. Population peers are excluded.

4 peers

Finley Point - the verdict

Out of every US city with 1,000+ residents, Finley Point places in the 4th percentile for household income. Source: Census ACS.

4th
percentile, household income
80th
percentile, home value
61st
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Finley Point, MT

Finley Point is a small town in Montana, home to 436 residents per U.S. Census Bureau ACS 2023 estimates. The typical household in Finley Point brings in $34,519 a year, in the lower quartile of U.S. cities for household income, with a poverty rate of 5.5%. Typical homes in Finley Point are valued around $428,700, and the median resident age is 61.9 years. Educational attainment runs 29.8% of adults with a bachelor's degree or higher. Separately, 40.8% of working-age residents are in the labor force.

Living costs in Montana run below the national norm: on BEA's 100-equals-national-average cost index, Montana scores 94.6 (Below Average), per the 2024 Regional Price Parities release. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $1,336 monthly. Monthly utility costs average around $175 across Montana, per EIA 2023 residential energy estimates. The average commute for Finley Point workers runs 14.8 minutes, with 69.4% driving alone and 30.6% working from home. Natural-hazard exposure scores 33.3 out of 100 on FEMA's National Risk Index (Very Low).

A decision-led reading path

Useful questions to ask of Finley Point's data

How this reading path is ordered

This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from comparison shortlist to work and mobility to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.

For Finley Point, city-specific coverage includes commute-mode shares. No matched row is reported here for matched public-school count, within-city Census tract profiles, annual population history, FBI reported-crime rates, local building permits; the page leaves those layers out instead of substituting a statewide or national value.

Question 1

Which cities make useful reference points for Finley Point?

Within Montana, the closest population matches are Twin Creeks (435 residents, $83,821 income); Lindisfarne (434 residents); Kerr (432 residents, $46,944 income). Outside the state, the closest population matches in this dataset are York, AZ (436 residents); Stirling, CA (436 residents); Center, IN (436 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.

Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.

Open a side-by-side comparison →

2. Work and mobility

What does the journey to work look like in Finley Point?

Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.

Driving alone is the largest reported mode at 69.4%. The reported mean trip to work is 14.8 minutes.

Compare commute patterns →

Question 3

How far does income reach against housing in Finley Point?

The home-value-to-income reference is comparatively stretched: the ACS median home value is 12.4 times median household income. The ACS poverty estimate is 5.5%, which keeps the citywide median from describing every household.

This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.

Compare the housing trade-off →

Population

436 residents

Micro place (under 10k)

Median Household Income

$34,519 /yr

Lowest-decile income · poverty 5.5% (Below-median poverty)

Cost of Living Index (state)

94.6 (US=100)

Near national cost · BEA RPP 2024, Montana average

City profile score · Finley Point, MT

43/100

4 published dimensions · ACS/FBI 2023

Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians (income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when published. Higher means a stronger standing on those published figures, not a livability rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out and redistribute weight. How it is calculated.

Cost of living B-
94.6 index

BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.

Poverty rate C+
5.5%

Share of residents below the poverty line; lower scores better on this axis.

Bachelor's+ share C
29.8%

Adults with a bachelor's degree or higher; ACS.

Household income F
$34,519

Median household income vs U.S. cities (pop ≥1,000); ACS.

Violent crime N/A
N/A

No FBI UCR violent-crime rate for this place (coverage is incomplete).

Finley Point profile (scored ACS/FBI dimensions) 4-axis radar comparing 1 series across Cost of living, Poverty rate, Bachelor's+ share, Household income. Cost of livingPoverty rateBachelor's+ shareHousehold income 43 D
Finley Point profile (scored ACS/FBI dimensions)
Read the chart values
  • Cost of living: 66/100 (B-) · 94.6 index
  • Poverty rate: 62/100 (C+) · 5.5%
  • Bachelor's+ share: 58/100 (C) · 29.8%
  • Household income: 0/100 (F) · $34,519

How does Finley Point compare to other US cities?

Where Finley Point sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.

Household income 4% higher than other cities
Home value 80% pricier than other cities
Median rent 61% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Finley Point against every qualifying US city; each in-state rank narrows that to Montana only. Full formula and direction notes: methodology.

Montana-relative analysis

Median Gross Rent places Finley Point near the bottom of Montana's cities

Among the 317 Montana cities PlainCities tracks with reported median gross rent data, Finley Point ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Finley Point only against its own state's cities, not the full US field.

Median Household Income
#263 of 282
7th percentile in Montana
Median Gross Rent
#1 of 317
0th percentile in Montana
Median Home Value
#48 of 279
83rd percentile in Montana
Poverty Rate
#172 of 315
44th percentile in Montana
Bachelor's Degree or Higher
#93 of 317
70th percentile in Montana
How in-state ranks are ordered

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Montana only, not a livability score. See the methodology for the source and calculation.

4thIncome percentile
Gauge source note

4th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Finley Point's home value compares nationally

Median home value vs. every US city (population 1,000+)

$428,700 20th percentile more affordable than 20% of 15,600 US cities

Show national distribution $0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). This entry sits in this band. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Finley Point $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Finley Point's home-value-to-income ratio: 12.4×

ACS median home value divided by median household income.

Band
pressured
> 5.0×
National rank
#15,465 of 15,516
More affordable than 0% of tracked cities (pop. 1,000+)
Size class
#11,289 of 11,323
Micro cities (under 10,000)

At 12.4×, Finley Point sits in the pressured band: national rank #15,465 of 15,516 and #11,289 of 11,323micro cities (under 10,000). Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.

How this ratio is calculated

Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000. Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0). This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.

Income distribution context

$34,519 Finley Point, MT median household income (Census ACS)

Show U.S. national quintile / Lorenz context Household income distribution - Finley Point, MT Finley Point, MT's median household income ($34,519) against the U.S. national quintile-share pattern. The Lorenz curve and quintile bars are national context, not Finley Point, MT-specific shares. $ Household Income Distribution Finley Point, MT median $34,519/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Finley Point, MT median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Finley Point, MT.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 29.8%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 5.5%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 40.8%

Census ACS S2301, share of working-age residents in the labor force

Population
436
Median Income
$34,519
Median Home Value
$428,700
Median Age
61.9
Poverty Rate
5.5%
Labor force participation
40.8%
Bachelor's Degree+
29.8%

Commute Patterns

Commute source

How workers travel to work, Census ACS 2023

Average Commute Time
14.8 minutes
Drive Alone
69.4%
Carpool
0.0%
Public Transit
0.0%
Walk
0.0%
Work from Home
30.6%

Based on 170 workers 16 and over.

Monthly Utility Costs

Montana statewide monthly utility average (EIA 2023): $175

EIA 2023 residential energy data puts average monthly utilities across Montana at $175 (electricity about $80 , water and sewer about $40 ).

These are Montana statewide averages, not a meter reading for Finley Point. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Montana's BEA cost-of-living index is 94.6 (Below Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Finley Point is $1,336/mo. FEMA's National Risk Index, averaged to Montana statewide on PlainCities, rates natural-hazard exposure at 33.3 / 100 (Very Low).

Cost/risk geography note

Cost of living is a Montana statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Finley Point sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.

How Finley Point compares to similar-size Montana cities

Same-state peer method

Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.

City Population Median Household Income
Finley Point (this city) 436 $34,519
Twin Creeks 435 $83,821
Lindisfarne 434 N/A
Kerr 432 $46,944
Primary sources on this page

Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES. Joins use OMB Bulletin 23-01 / FIPS keys.

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Estimate caveats

ACS and UCR figures are citywide estimates with vintage lags; they do not replace a local visit, school visit, or insurance quote.

Editorial standards, provenance, and how to cite this page

Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

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