Median Income
$36,154
52% lower than US avg
Home Value
$104,300
63% lower than US avg
Violent Crime
253/100K
34% lower than US avg
Bachelor's+
32.0%
5% lower than US avg
Obesity Rate
33.7%
5% higher than US avg
Unemployment
1.5%
58% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Terry Compares to the U.S. Average (100% = U.S. avg)
People
Population430
Median Age66.1 yrs
Density551/mi²
Male / Female57% / 44%
Largest GroupWhite 97%
Veterans14.7%
Economy
B+
Median Income$36,154
Per Capita$24,911
Unemployment1.5%
Poverty0.0%
County GDP$62M
Commute13 min
Housing
A+
Home Value$104,300
Ownership94.9%
Zillow$129,094
Housing Units364
Rent Burden26.1%
Crime
F
Violent253/100K
Property2,469/100K
Health
Obesity33.7%
Uninsured12.8%
Smoking19.3%
Depression26.2%
Heart Disease6.6%
Climate
Avg Temp45°F (7°C)
AQI26 (Good)
Rain13.4 in/yr
Sunny Days273/yr
Elevation2,250 ft (686 m)
Education
B+
Bachelor's+32.0%
High School+94.1%
Graduate+17.4%
School Score5.63
Community
2024 VoteR 79% / D 18%
Commute13 min
Broadband69.7%
Libraries1
Is Terry a Good Place to Live?
Based on current data, Terry receives an overall livability score of 3.3 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 a high uninsured rate, below-average incomes. Terry offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Terry is $36,154, 52% below the national average of $75,149. The job market is very strong with unemployment at just 1.5%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 13 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Terry is $104,300, 63% below the national median / offering relatively affordable homeownership. At just 2.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Terry is below the national average at 253 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,469 per 100,000, 26% above the national average.
Education
32.0% of residents hold a bachelor's degree, below the national average of 33.7%. 94.1% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Terry has a cool climate with an average annual temperature of 45°F. Winters average 17°F in January while summers reach 73°F in July. With 273 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 13.4 inches, including 11.8 inches of snow. Air quality is rated Good with a median AQI of 26.
Terry has a population of 430 with a density of 551 people per square mile, spread across 0.7 square miles. The median age is 66.1 years, 70% older than the national median of 38.9. The gender split is 43.5% female and 56.5% male. The city is predominantly White (97.2%). English is the primary language spoken at home by 93.8% of residents, while 6.2% speak Spanish. 14.7% of the population are veterans, above the national rate of 6.0%. 30.3% of residents have a disability (above the 13.0% national average). 95.4% have health insurance coverage.
Population
66.1yrs
Median Age
70% above US avg
Language Spoken at Home
English Only
93.8%
19% above US avg
Spanish
6.2%
54% below US avg
The median household income in Terry is $36,154, which is 52% below the national average of $75,149. Per capita income is $24,911 (below the $39,052 national figure). The average weekly wage is $840, 41% lower than the U.S. average. The unemployment rate is 1.5% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 60 business establishments, including 35 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 13 minutes (shorter than the 28-minute US average). 22.5% of workers work from home (above the 15.2% national rate).
Income
| Median HH Income | $36,154 |
| 52% below US avg |
| Per Capita Income | $24,911 |
| Avg Weekly Wage | $840 |
| IRS Avg AGI | $53,420 |
| Gini Index | 0.523 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.5% |
| 58% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 60 |
| County GDP | $62M |
Business (County)
| Restaurants | 35 |
| Healthcare | 28 |
| Retail | 6 |
| Manufacturing | 5 |
Tax & Cost of Living
| |
| Cost of Living | 94.60 (100=avg) |
Commute & Transportation
| Commute Time | 13.3 min |
| Drive Alone | 68.8% |
| Public Transit | 0.6% |
| Work from Home | 22.5% |
The median home value in Terry is $104,300, 63% below the national median of $281,900. Zillow estimates the typical home value at $129,094, higher than the Census estimate. Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 94.9% of housing units are owner-occupied (above the 65.4% national rate). There are 364 total housing units in the city. The median year a home was built is 1954. 26.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.9x, well within the affordable range.
Home Values
| Census Median | $104,300 |
| 63% below US avg |
| Zillow ZHVI | $129,094 |
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 | 94.9% |
| Owner-Occupied | 94.9% |
| Renter-Occupied | 5.1% |
| Housing Units | 364 |
| Median Year Built | 1954 |
Property Tax
In Terry, 33.7% of adults are obese, above the national rate of 32.1%. 10.2% have diabetes. Heart disease affects 6.6% of residents. 30.6% have high blood pressure. 19.3% are current smokers (above the 14.0% national rate). 20.5% report binge drinking. 26.6% are physically inactive. 26.2% report depression (above the 20.0% national average). 20.8% experience frequent mental distress. 12.8% of residents lack health insurance (above the 8.6% national rate). The food environment index is 4.4 out of 10.
Health Metrics: Terry vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.7% |
| 5% above US avg |
| Diabetes | 10.2% |
| Heart Disease | 6.6% |
| High Blood Pressure | 30.6% |
| Asthma | 11.9% |
| COPD | 8.5% |
| Cancer | 7.3% |
| Stroke | 3.7% |
Behaviors & Mental Health
| Smoking | 19.3% |
| 38% above US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 26.6% |
| Depression | 26.2% |
| Mental Distress | 20.8% |
| Physical Distress | 15.9% |
| Short Sleep | 34.2% |
Healthcare Access
| Insurance Rate | 95.4% |
| Uninsured | 12.8% |
| 49% above US avg |
| Checkup Rate | 67.3% |
| Dental Visits | 49.6% |
| Premature Death | 4,337/100K |
Food & Exercise
| Food Environment | 4.4/10 |
| Healthcare Facilities | 28 |
Terry has a violent crime rate of 253 per 100,000 residents, 34% below the national average of 380. Property crime stands at 2,469 per 100,000, 26% above the U.S. average. Overall, Terry receives a safety grade of F.
Crime Rates: Terry vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 252.7/100K |
| 34% below US avg |
| |
Property Crime
| Total Property | 2,469.3/100K |
| 26% above US avg |
Traffic Safety
| Traffic Accidents | 27 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Terry has a cool climate with an average annual temperature of 45°F (7°C). Winters average 17°F in January while summers reach 73°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 13.4 inches (drier than the 38-inch national average). The area receives 11.8 inches of snow annually. 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 2,250 feet.
Temperature
17°F Jan (-8°C)
73°F Jul (23°C)
| Annual Average | 45.3°F |
| 16% below US avg |
| January Average | 17°F (-8°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 273 days/yr |
Geography
| Elevation | 2,250 ft (686 m) |
| Area | 0.7 sq mi (1.8 km²) |
| Population Density | 551/sq mi |
| Coordinates | 46.7922°N, 105.3125°W |
| Timezone | America/Denver |
| County | Prairie County County |
| Nearest Airport | Sidney-Richland Regional (SDY)
82 miles away |
Precipitation & Snow
Annual Rainfall
13.4"
65% below US avg
Wettest Month (Jun)
2.44"
Air Quality
| AQI Median | 26.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 4.2 / 100 |
| Social Vulnerability | 74.1 / 100 |
| Community Resilience | 19.5 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
5 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.5. Most recent: M2.8 on Jan 15, 2023.
| Nov 3, 1999 |
8 km NNW of Broadus, Montana |
M3.5 |
143 km |
| Jan 15, 2023 |
6 km NE of Ashland, Montana |
M2.8 |
147 km |
| Apr 22, 2018 |
8 km ENE of Ashland, Montana |
M2.6 |
147 km |
| May 6, 2014 |
12 km NNW of Knife River, Montana |
M2.6 |
107 km |
| Jul 29, 2013 |
18 km SE of Ekalaka, Montana |
M2.6 |
134 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
56 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 1 fatality, 10 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 29, 1961 |
EF4 |
58 km |
0 |
| Jun 11, 2016 |
EF3 |
97 km |
0 |
| May 24, 1953 |
EF3 |
89 km |
0 |
| Jul 19, 1952 |
EF3 |
83 km |
1 |
| Jul 19, 1952 |
EF3 |
92 km |
0 |
| Jul 25, 2001 |
EF2 |
83 km |
0 |
| Jun 20, 1999 |
EF2 |
91 km |
0 |
| Jul 11, 1995 |
EF2 |
65 km |
0 |
| Jun 27, 1975 |
EF2 |
66 km |
0 |
| Jun 25, 1975 |
EF2 |
63 km |
0 |
| Jul 11, 1965 |
EF2 |
45 km |
0 |
| Jul 18, 1962 |
EF2 |
34 km |
0 |
| Aug 26, 1954 |
EF2 |
90 km |
0 |
| Jun 23, 1953 |
EF2 |
50 km |
0 |
| Jul 8, 2013 |
EF1 |
70 km |
0 |
| May 20, 2011 |
EF1 |
14 km |
0 |
| Jul 25, 2001 |
EF1 |
95 km |
0 |
| Jul 22, 1979 |
EF1 |
93 km |
0 |
| Jul 9, 1976 |
EF1 |
100 km |
0 |
| Jul 6, 1955 |
EF1 |
3 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: HORTON (25,108 ac, 2006).
| Year |
Name |
Acres |
Distance |
| 2006 |
HORTON |
25,108 |
96 km |
| 2007 |
OKERMAN |
15,478 |
69 km |
| 1990 |
KNOWLTON C |
13,226 |
48 km |
| 2012 |
SWEENEY |
12,642 |
98 km |
| 1998 |
BRADSHAW |
10,591 |
39 km |
| 2017 |
CROW ROCK |
8,298 |
56 km |
| 2008 |
KNOWLTON COMPLEX (DRGA) |
7,218 |
54 km |
| 2007 |
WOLF CREEK |
7,029 |
75 km |
| 2000 |
TOOKE |
6,128 |
97 km |
| 1996 |
ROBINSON |
5,901 |
83 km |
| 1991 |
HOCKETT BASIN |
3,536 |
98 km |
| 2015 |
HERCULES |
3,482 |
87 km |
| 2003 |
3 MILE |
3,394 |
66 km |
| 2003 |
MOON CREEK |
3,314 |
98 km |
| 2007 |
ROCK SPRINGS |
3,094 |
58 km |
| 1996 |
FT. KEOGH |
3,018 |
69 km |
| 2021 |
GREAT DIVIDE - DAWSON |
3,003 |
60 km |
| 1999 |
CEDARCRKN |
2,964 |
55 km |
| 1988 |
DEER CRK |
2,711 |
85 km |
| 2021 |
DOROTHY DRAW |
2,565 |
60 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
17°F (-8°C) |
0.4 in |
Coldest |
| February |
22°F (-5°C) |
0.2 in |
Driest |
| March |
33°F (0°C) |
0.4 in |
|
| April |
45°F (7°C) |
1.1 in |
|
| May |
56°F (14°C) |
2.1 in |
|
| June |
66°F (19°C) |
2.4 in |
Wettest |
| July |
73°F (23°C) |
1.5 in |
Warmest |
| August |
71°F (22°C) |
1.2 in |
|
| September |
59°F (15°C) |
1.3 in |
|
| October |
47°F (8°C) |
0.8 in |
|
| November |
30°F (-1°C) |
0.4 in |
|
| December |
18°F (-8°C) |
0.3 in |
|
Terry has a seasonal temperature swing of 56°F / from 17°F in January to 73°F in July. Total annual precipitation is 12.2 inches, with June being the wettest month (2.4") and February the driest (0.2").
Average costs for common services in Terry. 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 | $970 |
| Toddler | $1,009 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $763 |
| Toddler | $779 |
| Preschool | $779 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Terry
What is the population of Terry?
Terry has a population of 430 residents and is located in Montana. The population density is 551 people per square mile, spread across 0.7 square miles. The median age of residents is 66.1 years, which is older than the national median of 38.9 years. The population is 43.5% female and 56.5% male.
Is Terry expensive to live in?
Terry 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 $36,154, 52% below the national average of $75,149. The median home value is $104,300 (63% below the U.S. median). The home price-to-income ratio is 2.9x, indicating housing is reasonably affordable relative to local income levels.
Is Terry safe?
Terry is safer than the national average, with a violent crime rate of 253 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,469 per 100,000 (above the national average). Overall, Terry receives a safety grade of F based on combined crime data.
What is the weather like in Terry?
Terry has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 17°F in January, while summers reach an average of 73°F in July. The area receives 273 sunny days per year, well above the national average of 205. Annual rainfall totals 13.4 inches, with 11.8 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 26.
How is the job market in Terry?
The job market in Terry is very strong, with unemployment at just 1.5% / well below the national rate of 3.6%. The average weekly wage is $840. There are 60 business establishments in the area, including 35 restaurants and food service locations. The average commute time is 13 minutes, and 22.5% of workers work from home.
How much does housing cost in Terry?
The median home value in Terry is $104,300. Zillow estimates the typical home value at $129,094. The homeownership rate is 94.9%.
How are the schools in Terry?
Schools in Terry score 5.6 out of 10 on standardized testing, near the national average. 32.0% of adults in Terry hold a bachelor's degree or higher, below the national average of 33.7%. 94.1% have completed high school. 17.4% hold a graduate or professional degree.
How healthy is Terry?
The obesity rate in Terry is 33.7% (above the national rate of 32.1%). 19.3% of adults are smokers. 26.6% are physically inactive. 26.2% of residents report depression. 12.8% lack health insurance (above the national rate).
What is transportation like in Terry?
The average commute in Terry is 13 minutes, shorter than the national average of 28 minutes. 68.8% of workers drive alone to work, and 22.5% work from home.
What are the demographics of Terry?
The racial and ethnic makeup of Terry is 97.2% White. 93.8% of residents speak only English at home, while 6.2% speak Spanish. 14.7% of the population are military veterans. 30.3% of residents have a disability. 95.4% have health insurance coverage.
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