(Editor’s note: Men’s Collegiate Lacrosse Association release.)

ROUND ROCK, Texas — In its first visit to the Men’s Collegiate Lacrosse Association Division II national championship game, No. 4 Montana State knocked off No. 2 St. Thomas (Minn.) 12-7 on Saturday afternoon.

A championship was not looking great for Montana State (20-2) after the first quarter, as St. Thomas (18-3) raced out to a 3-1 lead, capped off by a rip from Sammy Ness.

As they did against top-seeded Air Force in an upset victory on Thursday, the Bobcats owned the second quarter. Matt Bess started the second with a marker and was followed less than a minute later by a deep shot from Vernon Loucks to tie the game 3-3.

Mekhi Davis connected to give Montana State its first lead of the game with 7:56 left to go in the half before Ethan Buskey used a spin dodge to tie it back up for the Tommies at 4-4.

Jonathan Serrell returned the lead the Bobcats after converting a dish from Dexter Tedesco. With just 19 seconds left in the half, Loucks provided Montana State its biggest lead of the game, 6-4.

Loucks was at it again three minutes into the third period to notch a hat trick and balloon the advantage to 7-4. St. Thomas slowed the Bobcat momentum 58 seconds later on a Henry Claridge tally to cut the margin to 7-5, but that was as close as the Tommies would get the rest of the way.

Montana State outscored St. Thomas 5-2 over the final 19:12 of the contest to pull away and post the 12-7 triumph.

Serrell joined Loucks with hat tricks for the Bobcats while Davis had two goals and an assist. Ethan Zwickey was credited with 12 saves in the win. Gunner Arens had nine saves for the Tommies. Buskey led the way in scoring with two goals while Claridge added a goal and an assist.

A senior from Montana has delivered a viral speech about the sorry state of property taxes in the Treasure State.

“I’m on Social Security, I’m 68-years-old and working just to pay my taxes,” says Kurt, in a clip shared on TikTok by Ryan Busse, who is running to be the next governor of Montana.

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Kurt claims that over the last couple of years, his annual property taxes have soared from $895 to almost $8,000 — an increase of around 790% — which he says is like paying almost “$700 a month rent to the state to live in our own house.” The state has an Elderly Homeowner/Renter Tax Credit, and the maximum credit is $1,150.

“There needs to be a moratorium on what we have to pay,” he says, adding that he’s had to continue working into what should be his retirement golden years to cover his mounting property costs. “I’m stubborn enough [that] I don’t want to dig into my bank account to pay them.”

Kurt is one of thousands of Montana homeowners suffering sticker shock over recent property tax hikes. He says: “We just can’t take this anymore. This was a great place and it still is, but the people that made it great can’t afford to live here anymore.”

Here’s what’s going on in the Treasure State.

Soaring property values

There are many reasons why property taxes may increase over time. First and foremost, property tax is typically based on a percentage of a home’s assessed value — so if your value goes up, it’s likely that your tax bill will too.

In Kurt’s case, he claims to have bought his property in 1995. In the 29 years since then, the family home (he does not share where in Montana the property is located) has undoubtedly increased in value.

According to FRED Economic Data’s house price index for Billings, MT (the state’s most populous city), the average house price at the end of 1995 was around $103,860 and by the end of 2023 it had soared around 272% to more than $387,000.

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Looking at the data since 1985, the steepest jump in value in Billings and elsewhere in the state occurred between 2021 and 2023 — during and after the COVID-19 pandemic, when there was a surge of migration to the state and housing demand quickly outpaced supply. This corresponds with Kurt’s complaint that his property taxes have soared “over the last couple of years,” which likely occurred because his property value increased.

Instead of working deep into what should be his retirement years, Kurt could sell the family home, collect his capital gains and move somewhere smaller (and with a more manageable tax bill) — but the house holds too much sentimental value for him to consider that.

“My children were raised [there]. They want to get married there, and I plan on being there until the very end,” he says — even if that means taking winter and summer shifts.

Other homeowners in Montana, who aren’t quite so attached to their properties, may see selling and moving as their only viable option. According to a Montana Free Press (MTFP) analysis of revenue department data for the 956,000 properties on the state’s property tax rolls in both 2022 and 2023, the median Montana residential property owner saw a 21% hike on their property taxes this year, with typical increases ranging between 11% and 35%. That translates into residential tax bills that will be $98 to $660 a year more.

Where do the taxes go?

Property taxes make up almost 97% of local tax revenue here, considerably more than the 71% share for local governments in all U.S. states together, according to a state legislature brief. Property taxes account for 9.9% of the tax revenue of the Montana state government, as opposed to 1.7% for all the state governments.

Montana’s great reliance on property taxes is possibly due to the comparitively lower tax revenue from sales and excise taxes. Montana has no state or local sales tax.

Property taxes are calculated by multiplying the property’s market value by its tax rate (1.35% for residential properties) and its mill levies (one mill generates $1 for each $1,000 in taxable value). For example, for a property worth $400,000 with a tax rate of 1.35% and a mill rate of 650, the property tax would be $3,510.

Almost all property taxes in Montana go towards county and city government services like K-12 schools, law enforcement and fire departments. This money does not typically go towards state services, like universities and prisons, which are funded by state income tax.

As inflation has increased nationwide, this has not only driven up the cost of living, but it also inflated the costs of providing public services. As a result, some local governments have had to compensate by raising property tax rates.

There’s no easy fix to Montanans’ property tax nightmares. The state department of revenue has promised property tax rebates for the 2022 and 2023 tax years of up to $675 for eligible homeowners, using $350 million from the state’s budget surplus.

While that may help some cash-strapped Montana homeowners, the “moratorium” on taxes that Chuck so desperately wants remains highly unlikely.

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