Median Income
$48,577
35% lower than US avg
Home Value
$110,800
61% lower than US avg
Violent Crime
135/100K
64% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
33.1%
3% higher than US avg
Unemployment
0.0%
100% lower than US avg
How Loma Compares to the U.S. Average (100% = U.S. avg)
People
Population90
Median Age69.3 yrs
Density26/mi²
Male / Female72% / 28%
Largest GroupWhite 100%
Veterans90.0%
Economy
B+
Median Income$48,577
Per Capita$47,379
Unemployment0.0%
County GDP$292M
Housing
A+
Home Value$110,800
Ownership100.0%
Zillow$359,249
Housing Units110
Rent Burden17.8%
Crime
F
Violent135/100K
Property1,556/100K
Health
Obesity33.1%
Uninsured10.6%
Smoking16.6%
Depression21.6%
Heart Disease6.2%
Climate
Avg Temp47°F (8°C)
AQI26 (Good)
Rain16.9 in/yr
Sunny Days273/yr
Elevation2,744 ft (836 m)
Education
A+
Bachelor's+0.0%
High School+100.0%
Graduate+0.0%
School Score6.44
Community
2024 VoteR 64% / D 32%
Broadband90.0%
EV Stations1
Libraries4
Is Loma a Good Place to Live?
Based on current data, Loma receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Loma offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Loma is $48,577, 35% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%.
Cost of Living & Housing
The median home value in Loma is $110,800, 61% below the national median / offering relatively affordable homeownership. At just 2.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Loma is a very safe community with a violent crime rate of 135 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,556 per 100,000, 21% below the national average.
Education
0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 100.0% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Loma experiences four distinct seasons with an average temperature of 47°F. Winters average 26°F in January while summers reach 71°F in July. With 273 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 16.9 inches. Air quality is rated Good with a median AQI of 26.
Loma has a population of 90 with a density of 26 people per square mile, spread across 3.4 square miles. The median age is 69.3 years, 78% older than the national median of 38.9. The gender split is 27.8% female and 72.2% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 90.0% of the population are veterans, above the national rate of 6.0%. 0.0% of residents have a disability (below the 13.0% national average). 100.0% have health insurance coverage.
Population
69.3yrs
Median Age
78% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Loma is $48,577, which is 35% below the national average of $75,149. Per capita income is $47,379 (above the $39,052 national figure). The average weekly wage is $852, 41% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). The area has 229 business establishments, including 19 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $48,577 |
| 35% below US avg |
| Per Capita Income | $47,379 |
| Avg Weekly Wage | $852 |
| IRS Avg AGI | $59,301 |
| Gini Index | 0.437 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| |
| Establishments (County) | 229 |
| County GDP | $292M |
Business (County)
| Restaurants | 19 |
| Healthcare | 12 |
| Retail | 26 |
| Manufacturing | 8 |
Tax & Cost of Living
| Property Tax (IRS) | $2,671 |
| 24% below US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 2.41% |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Loma is $110,800, 61% below the national median of $281,900. Zillow estimates the typical home value at $359,249, higher than the Census estimate. Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 110 total housing units in the city. The median year a home was built is 2011. The average annual property tax is $2,671 (lower than the $3,500 national average). 17.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.3x, well within the affordable range.
Home Values
| Census Median | $110,800 |
| 61% below US avg |
| Zillow ZHVI | $359,249 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $988 |
| 1 Bedroom | $1,076 |
| 2 Bedrooms | $1,336 |
| 3 Bedrooms | $1,789 |
| 4 Bedrooms | $2,113 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 110 |
| Median Year Built | 2011 |
Property Tax
| Avg Tax (IRS) | $2,671 |
| 24% below US avg |
| Effective Rate | 2.41% |
In Loma, 33.1% of adults are obese, above the national rate of 32.1%. 9.3% have diabetes. Heart disease affects 6.2% of residents. 31.1% have high blood pressure. 16.6% are current smokers. 20.7% report binge drinking. 21.3% are physically inactive. 21.6% report depression. 16.9% experience frequent mental distress. 10.6% of residents lack health insurance (above the 8.6% national rate). The dentist ratio is 1:5,898. 44.8% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Loma vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.1% |
| 3% above US avg |
| Diabetes | 9.3% |
| Heart Disease | 6.2% |
| High Blood Pressure | 31.1% |
| Asthma | 9.8% |
| COPD | 7.1% |
| Cancer | 7.2% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 16.6% |
| 19% above US avg |
| Binge Drinking | 20.7% |
| Physical Inactivity | 21.3% |
| Depression | 21.6% |
| Mental Distress | 16.9% |
| Physical Distress | 13.8% |
| Short Sleep | 33.3% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 10.6% |
| 23% above US avg |
| Dentists | 1:5,898 |
| Mental Health | 1:835 |
| Checkup Rate | 62.6% |
| Dental Visits | 47.8% |
| Premature Death | 10,967/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 44.8% |
| Healthcare Facilities | 12 |
Loma has a violent crime rate of 135 per 100,000 residents, 64% below the national average of 380. Property crime stands at 1,556 per 100,000, 21% below the U.S. average. Overall, Loma receives a safety grade of F.
Crime Rates: Loma vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 135.3/100K |
| 64% below US avg |
| |
Property Crime
| Total Property | 1,556.2/100K |
| 21% below US avg |
Traffic Safety
| Traffic Accidents | 20 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Loma experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 26°F in January while summers reach 71°F in July. The area gets 273 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 16.9 inches (drier than the 38-inch national average). Air quality is rated Good with a median AQI of 26 / among the cleanest air in the country. The city sits at an elevation of 2,744 feet.
Temperature
26°F Jan (-3°C)
71°F Jul (21°C)
| Annual Average | 46.9°F |
| 13% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 71°F (21°C) |
| Sunny Days | 273 days/yr |
Geography
| Elevation | 2,744 ft (836 m) |
| Area | 3.4 sq mi (8.9 km²) |
| Population Density | 26/sq mi |
| Coordinates | 47.9511°N, 110.4886°W |
| Timezone | America/Denver |
| County | Chouteau County County |
| Nearest Airport | Great Falls International (GTF)
52 miles away |
Precipitation & Snow
Annual Rainfall
16.9"
56% below US avg
Wettest Month (May)
2.60"
Air Quality
| AQI Median | 26.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 39.5 / 100 |
| Social Vulnerability | 65.4 / 100 |
| Community Resilience | 24.9 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Avalanche |
Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on May 10, 2024.
| Aug 16, 1994 |
27 km W of Chester, Montana |
M3.9 |
87 km |
| Jun 5, 1991 |
18 km SW of Shelby, Montana |
M3.6 |
122 km |
| Apr 2, 2014 |
13 km NNW of Conrad, Montana |
M3.1 |
120 km |
| Dec 5, 1991 |
15 km WSW of Hays, Montana |
M3.0 |
119 km |
| May 6, 2014 |
10 km SSW of Cascade, Montana |
M2.8 |
128 km |
| Apr 11, 2010 |
33 km ENE of Helena Valley Northeast, Montana |
M2.8 |
147 km |
| Jan 8, 2012 |
8 km W of Valier, Montana |
M2.6 |
145 km |
| May 10, 2024 |
13 km WSW of Cascade, Montana |
M2.6 |
130 km |
| Feb 25, 2013 |
28 km WSW of Chester, Montana |
M2.5 |
77 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
46 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 7 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 5, 1988 |
EF3 |
38 km |
0 |
| Jul 5, 1988 |
EF3 |
56 km |
0 |
| Jul 5, 1988 |
EF3 |
43 km |
0 |
| Jun 25, 1996 |
EF2 |
80 km |
0 |
| Apr 24, 1994 |
EF2 |
93 km |
0 |
| Apr 24, 1994 |
EF2 |
93 km |
0 |
| Jun 8, 1976 |
EF2 |
74 km |
0 |
| Apr 22, 2003 |
EF1 |
91 km |
0 |
| Jul 3, 1998 |
EF1 |
90 km |
0 |
| Jun 19, 1998 |
EF1 |
38 km |
0 |
| Jul 5, 1988 |
EF1 |
99 km |
0 |
| Jun 1, 1980 |
EF1 |
39 km |
0 |
| May 25, 1980 |
EF1 |
77 km |
0 |
| May 25, 1980 |
EF1 |
65 km |
0 |
| May 24, 1977 |
EF1 |
72 km |
0 |
| Jul 10, 1965 |
EF1 |
29 km |
0 |
| Jul 1, 1962 |
EF1 |
80 km |
0 |
| Jun 29, 1961 |
EF1 |
77 km |
0 |
| Jun 29, 1960 |
EF1 |
55 km |
0 |
| Jul 6, 2022 |
EF0 |
96 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: TAYLOR (21,704 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
TAYLOR |
21,704 |
81 km |
| 2017 |
EAST FORK |
21,165 |
75 km |
| 2009 |
MEISSNER |
12,318 |
59 km |
| 1984 |
CENTENNIAL |
11,775 |
62 km |
| 2022 |
EAGLE CREEK |
6,359 |
68 km |
| 1988 |
LOSTCANYON |
4,532 |
59 km |
| 2008 |
CHOUTEAU CO COMPLEX |
4,365 |
4 km |
| 2019 |
STUCKEY RD MA |
4,073 |
77 km |
| 1991 |
POWER |
3,822 |
87 km |
| 2008 |
UNIT 3 MARSH HAZ FUEL REDUCTION |
3,333 |
71 km |
| 2020 |
EAGLE ROCK ROAD |
3,129 |
72 km |
| 2022 |
BENTON LAKE UNIT 3 AND 4B |
2,996 |
70 km |
| 2007 |
CHOUTEAU CO ASST |
2,646 |
23 km |
| 2022 |
MTBLR-FY22-RX |
2,244 |
72 km |
| 2007 |
2007 HAZ FUEL REDUCTION |
2,159 |
67 km |
| 2021 |
FOUR SISTERS |
1,999 |
51 km |
| 2021 |
EAGLE BUTTE |
1,817 |
37 km |
| 2005 |
H RX F COMPLEX BROADCAST BURNS |
1,747 |
71 km |
| 2021 |
BENTON LAKE UNIT 5 |
1,716 |
69 km |
| 1988 |
P N |
1,533 |
65 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
0.8 in |
|
| February |
25°F (-4°C) |
0.5 in |
Driest |
| March |
35°F (2°C) |
0.8 in |
|
| April |
45°F (7°C) |
1.1 in |
|
| May |
55°F (13°C) |
2.6 in |
Wettest |
| June |
63°F (17°C) |
2.4 in |
|
| July |
71°F (21°C) |
1.3 in |
Warmest |
| August |
69°F (20°C) |
1.5 in |
|
| September |
58°F (14°C) |
1.3 in |
|
| October |
47°F (8°C) |
0.8 in |
|
| November |
33°F (0°C) |
0.5 in |
|
| December |
24°F (-5°C) |
0.6 in |
Coldest |
Loma has a seasonal temperature swing of 47°F / from 24°F in December to 71°F in July. Total annual precipitation is 14.3 inches, with May being the wettest month (2.6") and February the driest (0.5").
Average costs for common services in Loma. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$237 ($142–$378) |
| Specialist Visit |
$331 ($189–$520) |
| Urgent Care Visit |
$189 ($95–$331) |
| Emergency Room Visit |
$2,081 ($757–$4,730) |
| Dental Cleaning |
$123 ($71–$189) |
| Dental Filling |
$237 ($142–$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$114) |
| Brake Pad Replacement |
$284 ($142–$473) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$568 ($378–$946) |
| Battery Replacement |
$189 ($95–$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57–$142) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$378 ($142–$757) |
| HVAC System Install |
$6,622 ($3,784–$11,352) |
| Roof Repair |
$946 ($378–$1,892) |
| Roof Replacement |
$8,514 ($5,203–$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473–$3,311) |
| Divorce (Contested) |
$14,190 ($4,730–$28,380) |
| DUI Defense |
$4,730 ($1,892–$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757–$2,838) |
| Will Preparation |
$473 ($189–$946) |
| Trust Preparation |
$2,365 ($946–$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$52 ($28–$95) |
| Hair Coloring (Full) |
$142 ($71–$237) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$76 ($47–$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84–$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37–$4.73) |
| Loaf of Bread |
$3.59 ($2.37–$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84–$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78–$7.10) |
| Rice (per lb) |
$0.95 ($0.57–$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76–$237) |
| Natural Gas (Monthly) |
$66 ($28–$142) |
| Water/Sewer (Monthly) |
$66 ($38–$114) |
| Internet (Monthly) |
$66 ($38–$95) |
| Cell Phone Plan (Monthly) |
$61 ($28–$95) |
| Cable TV (Monthly) |
$80 ($47–$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71–$473) |
| Car Insurance (Annual) |
$1,892 ($1,135–$3,311) |
| Bus Pass (Monthly) |
$66 ($28–$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57–$24) |
| Car Registration (Annual) |
$95 ($28–$237) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568–$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473–$1,892) |
| After-School Care (Monthly) |
$378 ($189–$662) |
| Tutoring (Per Hour) |
$47 ($24–$95) |
| SAT/ACT Prep Course |
$946 ($378–$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730–$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28–$95) |
| Dog Vaccination (Annual) |
$95 ($47–$189) |
| Dog Grooming |
$57 ($28–$95) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$284 ($142–$473) |
| Cat Spay/Neuter |
$189 ($95–$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $924 |
| Toddler | $958 |
| Preschool | $825 |
| Family Childcare (monthly) |
| Infant | $726 |
| Toddler | $740 |
| Preschool | $740 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Loma
What is the population of Loma?
Loma has a population of 90 residents and is located in Montana. The population density is 26 people per square mile, spread across 3.4 square miles. The median age of residents is 69.3 years, which is older than the national median of 38.9 years. The population is 27.8% female and 72.2% male.
Is Loma expensive to live in?
Loma is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $48,577, 35% below the national average of $75,149. The median home value is $110,800 (61% below the U.S. median). The home price-to-income ratio is 2.3x, indicating housing is reasonably affordable relative to local income levels.
Is Loma safe?
Loma is considered a very safe city with a violent crime rate of 135 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,556 per 100,000 (below the national average). Overall, Loma receives a safety grade of F based on combined crime data.
What is the weather like in Loma?
Loma has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 26°F in January, while summers reach an average of 71°F in July. The area receives 273 sunny days per year, well above the national average of 205. Annual rainfall totals 16.9 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 26.
How is the job market in Loma?
The job market in Loma is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $852. There are 229 business establishments in the area, including 19 restaurants and food service locations.
How much does housing cost in Loma?
The median home value in Loma is $110,800. Zillow estimates the typical home value at $359,249. The homeownership rate is 100.0%. The average annual property tax is $2,671.
How are the schools in Loma?
Schools in Loma score 6.4 out of 10 on standardized testing, near the national average. 0.0% of adults in Loma hold a bachelor's degree or higher, below the national average of 33.7%. 100.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Loma?
The obesity rate in Loma is 33.1% (above the national rate of 32.1%). 16.6% of adults are smokers. 21.3% are physically inactive. 21.6% of residents report depression. 10.6% lack health insurance (above the national rate). 44.8% of residents have access to exercise opportunities.
What are the demographics of Loma?
The racial and ethnic makeup of Loma is 100% White. 100% of residents speak only English at home. 90.0% of the population are military veterans. 0.0% of residents have a disability. 100.0% have health insurance coverage.
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