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Swan Lake, MT

Montana · Metropolitan Area

Swan Lake is a small town in Montana with a population of 226. Residents earn $78,125 per year, which is 4% above the national average.

3.6 /5.0
B+ Good
226 Population 30/sq mi density
$78,125 Median Income $35,374 per capita
$492,900 Home Value
44°F Avg Temperature 253 sunny days/yr
B+
Overall
3.6 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.3 / 5.0
$78,125 median income, 0.0% unemployment
B
Affordability
3.1 / 5.0
$492,900 home value
B
Education
3.4 / 5.0
30.1% bachelor's degree or higher
Median Income $78,125
4% higher than US avg
Home Value $492,900
75% higher than US avg
Bachelor's+ 30.1%
11% lower than US avg
Obesity Rate 28.6%
11% lower than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 10.7%
14% lower than US avg

How Swan Lake Compares to the U.S. Average (100% = U.S. avg)

People

Population226
Median Age43.6 yrs
Density30/mi²
Male / Female53% / 47%
Largest GroupWhite 98%
Veterans16.6%

Economy

A
Median Income$78,125
Per Capita$35,374
Unemployment0.0%
Poverty10.7%
County GDP$9,086M
Commute32 min

Housing

B
Home Value$492,900
RentN/A
OwnershipN/A
Housing Units199
Rent Burden28.9%

Health

Obesity28.6%
Uninsured6.9%
Smoking11.1%
Depression26.0%
Heart Disease4.7%

Climate

Avg Temp44°F (6°C)
AQI26 (Good)
Sunny Days253/yr
Elevation4,632 ft (1,412 m)

Education

B
Bachelor's+30.1%
High School+96.9%
Graduate+3.7%
School Score5.68

Community

2024 VoteR 38% / D 59%
Commute32 min
Broadband85.0%
Libraries7

Is Swan Lake a Good Place to Live?

Based on current data, Swan Lake receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include low unemployment, abundant sunshine, high health insurance coverage. Areas to be aware of include high housing costs. Swan Lake offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Swan Lake is $78,125, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.0%. 10.7% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 32 minutes.

Cost of Living & Housing

The median home value in Swan Lake is $492,900, making it a premium housing market at 75% above the U.S. median of $281,900. The price-to-income ratio of 6.3x means housing costs are stretched relative to local earnings.

Education

30.1% of residents hold a bachelor's degree, below the national average of 33.7%. 96.9% have completed high school. Area schools have an average test score of 5.7/10.

Climate & Weather

Swan Lake has a cool climate with an average annual temperature of 44°F. Winters average 24°F in January while summers reach 65°F in July. With 253 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 26.

Swan Lake has a population of 226 with a density of 30 people per square mile. The median age is 43.6 years, 12% older than the national median of 38.9. The city is predominantly White (98.2%).

Population

226
Total Population
30
People / sq mi
43.6yrs
Median Age
12% above US avg
7.6mi²
Land Area

Gender Distribution

Male 53.1%
Female 46.9%

Race & Ethnicity

Swan Lake vs U.S. Average

Language Spoken at Home

English Only100.0%
27% above US avg
Spanish0.0%
100% below US avg

Social Characteristics

Swan Lake vs U.S. Average

The median household income in Swan Lake is $78,125, which is 4% above the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 10.7% of residents live below the poverty line. Workers commute an average of 32 minutes.

Income: Swan Lake vs U.S.

Commute Mode

Income

Median HH Income$78,125
4% above US avg
Per Capita Income$35,374
Avg Weekly Wage$1,146
IRS Avg AGI$86,205

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate10.7%
14% below US avg
Establishments (County)6,882
County GDP$9,086M

Business (County)

Restaurants372
Healthcare615
Retail550
Manufacturing152

Tax & Cost of Living

Property Tax (IRS)$6,314
80% above US avg
Effective Tax Rate1.28%

Commute & Transportation

Commute Time31.8 min
Drive Alone67.7%
Public Transit0.0%
Work from Home22.9%

Walkability

The median home value in Swan Lake is $492,900, 75% above the national average.

Home Value Sources

Ownership Split

Home Values

Census Median$492,900
75% above US avg

Real Estate Market (Redfin)

Rental Costs

Rent Burden28.9%

HUD Fair Market Rent

Studio$988
1 Bedroom$1,076
2 Bedrooms$1,336
3 Bedrooms$1,789
4 Bedrooms$2,113

Ownership & Property

Owner-Occupied92.9%
Housing Units199
Median Year Built1986

Property Tax

Avg Tax (IRS)$6,314
80% above US avg
Effective Rate1.28%
In Swan Lake, 28.6% of adults are obese (below the 32.1% national rate). 6.9% of residents lack health insurance. 11.1% are current smokers. 26.0% report depression. 15.2% are physically inactive.

Health Metrics: Swan Lake vs U.S. Average (%)

Chronic Conditions

Obesity28.6%
11% below US avg
Diabetes6.8%
Heart Disease4.7%
High Blood Pressure25.9%
Asthma11.4%
COPD4.8%
Cancer7.7%
Stroke2.6%

Behaviors & Mental Health

Smoking11.1%
21% below US avg
Binge Drinking24.4%
Physical Inactivity15.2%
Depression26.0%
Mental Distress17.4%
Physical Distress11.4%
Short Sleep29.4%

Healthcare Access

Insurance Rate94.0%
Uninsured6.9%
20% below US avg
Checkup Rate70.2%
Dental Visits70.7%
Premature Death6,796/100K

Food & Exercise

Food Environment8.5/10
Exercise Access90.9%
Healthcare Facilities615
Swan Lake has an average annual temperature of 44°F (6°C). Winters average 24°F in January while summers reach 65°F in July. The area enjoys 253 sunny days per year. Air quality is rated Good with a median AQI of 26.

Temperature

24°F Jan (-4°C) 65°F Jul (18°C)
Annual Average43.5°F
19% below US avg
January Average24°F (-4°C)
July Average65°F (18°C)
Sunny Days253 days/yr

Precipitation & Snow

Air Quality

AQI Median26.0
RatingGood

Geography

Elevation4,632 ft (1,412 m)
Area7.6 sq mi (19.7 km²)
Population Density30/sq mi
Coordinates47.9361°N, 113.7997°W
TimezoneAmerica/Denver
County FIPS30063
It is classified as Metro — under 250K. 30.1% of residents hold a bachelor's degree or higher (11% below US avg). In the 2024 election, the county voted Democrat by a 21.4-point margin. 85.0% of households have broadband internet.

2024 Presidential Election (County)

R 37.5%
D 59%

Winner: Democrat by 21.4 points

Education

Bachelor's Degree+30.1%
11% below US avg
High School+96.9%
Graduate Degree+3.7%
School Test Score5.68
B Education Grade (3.4/5.0)

Urban-Rural Classification

RUCC Code 3Metro — under 250K
Population Density30/sq mi
Total Area7.6 sq mi

Infrastructure & Services

Broadband Access85.0%
Public Libraries7
Healthcare Facilities615
Restaurants372
Retail Stores550

Safety & Disasters

Fatal Crashes (County/yr)18
FEMA Disaster Declarations364

Commute & Transportation

Avg Commute31.8 min
Drive Alone67.7%
Public Transit0.0%
Work from Home22.9%

Nearby Cities

Bigfork, MT 5,249 pop · 15.6 mi Lakeside, MT 2,730 pop · 20.8 mi Somers, MT 1,181 pop · 22.4 mi Polson, MT 5,334 pop · 23.3 mi Pablo, MT 1,808 pop · 27.0 mi Evergreen, MT 8,908 pop · 29.8 mi Helena Flats, MT 1,014 pop · 31.1 mi Kalispell, MT 26,830 pop · 31.1 mi Ronan, MT 1,962 pop · 31.4 mi Columbia Falls, MT 5,531 pop · 35.1 mi Marion, MT 1,149 pop · 42.0 mi Whitefish, MT 8,422 pop · 42.9 mi St. Ignatius, MT 1,053 pop · 44.9 mi Seeley Lake, MT 1,335 pop · 55.2 mi
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