Montana's housing crisis is a warning for older homeowners across the country

• Montana homeowners face rising costs and housing insecurity amid soaring property taxes and insurance.
• Older Montanans, particularly those with health issues, are especially vulnerable.
• State housing reforms aim to boost supply, but one housing counselor worries about short-term aid.

Owning a home doesn't guarantee financial security in retirement — even when home values have skyrocketed, as they have in communities across the country over the last few years.