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Viewpoint: Montana Board of Housing celebrates 50 years

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Viewpoint: Montana Board of Housing celebrates 50 years


Cheryl Cohen

Many of us can vividly recall our first apartment rental experiences. For me, it was a single-family home shared with three college roommates, then an upper floor in a triplex where the kitchen fan spun itself off the ceiling and crash landed on the dining room table, followed by a non-conforming daylight basement unit with mold growing on every window. These were not glamourous experiences, but they were what I could afford and what was available on the market.

Some of us have been blessed, through hard work, luck and favorable market conditions, to become first-time homebuyers. For me, it was a sweat equity short sale under the third runway easement of a large international airport necessitating over 60 cubic yards of debris removal in the first weekend. But it was our home, our garden, our sanctuary and we took pride in our amateur DIY renovation efforts.

Those of us who work in the affordable housing space have the privilege of supporting individuals and families with their first ventures in apartment leasing, transitioning to a rental home they can better afford and even witnessing the American Dream in action at the closing table as a family receives the keys to their first home.

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Over the last 50 years, the Montana Board of Housing, which is administratively attached to the Montana Department of Commerce, has partnered with organizations statewide who regularly experience these inspiring moments. Imagine assisting an individual moving inside after experiencing homelessness for a decade or more, or supporting a single mom regaining custody of her little boy with a safe, affordable apartment on Christmas Eve, or helping seniors stay in their homes with a fair and reputable Reverse Annuity Mortgage loan or providing first-time homebuyer counseling to a family who works and saves for a down payment to close on their first home.

I’ve been fortunate to experience many such moments throughout my career, as have all members of the MBOH team. Each time, these moments remind me of a childhood memory. My parents, an electrician and a nurse, worked to build a new construction home for our family. My brothers and I would hang out at the job site after school (safely) while my dad ran the electrical. My mom, a music lover, asked my dad to wire surround sound speakers in various rooms of the house. The day we moved in, mom cranked the stereo with Kenny G’s saxophone music and ran through the house crying. My parents both came from humble backgrounds; it had been a long journey of saving and sacrificing to build our new home. I credit this memory and their hard work for my chosen career path.

The MBOH certainly tracks all manner of data, but it’s the human impact on Montana families and communities – which cannot be easily summed up in loan production volume or affordable rental unit counts – that drives our mission. With a safe and affordable home, families can thrive and flourish, communities become convening places for neighbors and new friendships and children retain stability in school.

With a safe and affordable home, individuals have more flexibility to take risks and pursue entrepreneurial ventures, educational attainment in children improves and overall health and well-being are enhanced. A safe, affordable home is foundational to our ability to reach our full potential; without it, the stress of stacked-up bills and difficult decisions whether to purchase food, medicine or those desperately needed new shoes for our kids monopolize our minds every minute of every day.

The MBOH’s cumulative support of first-time homebuyers includes 47,700 low-interest rate primary mortgage and down payment assistance loans, equating to nearly $3.8 billion dollars statewide. In addition to its support of Montana homebuyers, the MBOH portfolio includes over 9,500 affordable apartments and resident-owned mobile homes with long-term periods of affordability (30 to 50 years) and an in-house mortgage servicing portfolio with over 6,200 active loans. You can learn more about our history and impact on our website, which includes a slideshow video and timeline.

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Perhaps you or a person you know has benefited from an MBOH loan, or you might live in an affordable apartment constructed with Housing Tax Credits allocated by our agency. And even if you don’t, you might recall a time in your life that you experienced housing instability due to a spousal separation, loss of a job or a health diagnosis that upended your entire life and finances.

Individuals and families supported by MBOH programs have experienced these and other struggles. We all need a hand up sometimes, and I’m tremendously proud that the MBOH – including our Board, staff, partners, investors, participating lenders, developers and others – could be this hand up for so many Montanans.

On June 19, 2025, Governor Gianforte signed HB 924 into law, establishing a new Montana housing trust within the broader Growth and Opportunity Trust. This legislation will provide statutory appropriations for affordable housing for the first time in Montana state history – but we won’t rest on our laurels; with your continued support, we’re rolling up our sleeves for another 50 years and beyond!

– Cheryl Cohen, MBOH Executive Director and Housing Division Administrator at the Montana Department of Commerce





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Montana DEQ says Big Hole River impaired by low oxygen, excess nutrients

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Montana DEQ says Big Hole River impaired by low oxygen, excess nutrients


Low oxygen levels and excess nutrients led the Montana Department of Environmental Quality to officially determine that the Big Hole River is impaired, state officials said.

The conditions are affecting aquatic life and recreation along parts of the river. Officials said the nutrients can fuel algae and plant growth, especially during hot, low-water conditions.

The Big Hole has been the focus of water quality restoration efforts for decades, with more than $1.3 million in federal Clean Water Act funding invested since 1988.

The impairment will be included in DEQ’s next water quality report. Restoration work and funding for the watershed will continue.

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8 Most Welcoming Towns In Montana’s Countryside

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8 Most Welcoming Towns In Montana’s Countryside


In these Montana towns a stranger rarely stays a stranger for long. Shopkeepers in Philipsburg know their regulars by name. Bigfork neighbors fill the same theater seats every summer. Livingston locals still swap trail tips with visitors over coffee. The welcome here comes from people who greet newcomers like they belong. These eight communities show what small-town Montana hospitality looks like up close.

Whitefish

Heading up one of Central Avenue’s Old West walkways in Whitefish, Montana. Photo: Andrew Douglas.

Whitefish sits within an hour of Glacier National Park, and that proximity shapes everything about the town. Central Avenue runs on covered Old West walkways lined with local shops, restaurants, and galleries, and the crowd shifts with the seasons as skiers give way to summer hikers.

Whitefish, Montana.
Whitefish, Montana. Image credit: Pierrette Guertin via Shutterstock

Glacier National Park draws visitors with hundreds of miles of hiking trails, alpine lakes, and the scenic Going-to-the-Sun Road. Closer to town, Whitefish Lake offers public beaches, boat rentals, paddleboarding, and fishing during the warmer months. When winter arrives, Whitefish Mountain Resort becomes the area’s main attraction, with ski runs, snowboarding terrain, and gondola rides overlooking the Flathead Valley. Even after a day outdoors, many visitors return to downtown Whitefish to browse local shops or settle in at the town’s restaurants and breweries.

Bigfork

Aerial view of Bigfork, Montana, during fall.
Aerial view of Bigfork, Montana, during fall. Image credit: Gravity Shots.

Sitting on the northeastern shore of Flathead Lake, Bigfork pairs a working harbor with a downtown built around its artists. Galleries and studios cluster within a few walkable blocks, and the water is never out of sight for long.

Bigfork, Montana during the Independence Day parade.
Bigfork, Montana, during the Independence Day parade. Image credit: Katie Brady from Missoula, Montana, CC BY 2.0, via Wikimedia Commons.

Flathead Lake is the town’s biggest draw, with boating, kayaking, fishing, and swimming on the largest natural freshwater lake west of the Mississippi River in the lower 48 states. Just offshore, Wild Horse Island State Park lets visitors hike among native wildlife, including wild horses, bighorn sheep, bald eagles, and mule deer. Theater lovers can catch a Broadway-style production at Bigfork Summer Playhouse, which has staged live performances for decades. Before leaving town, visitors can browse the independently owned galleries and studios showcasing paintings, sculptures, ceramics, and other work by Montana artists.

Philipsburg

Local businesses in historic buildings flank the Main Street of Philipsburg, Montana.
Local businesses in historic buildings flank the Main Street of Philipsburg, Montana.

Philipsburg made its money in silver, and the painted storefronts along Broadway Street date to those boom years. The old buildings now hold local businesses, and the mining past is easy to trace from one block to the next.

View of the brewery, hotels and shops on Broadway Street in Philipsburg, Montana.
View of the brewery, hotels, and shops on Broadway Street in Philipsburg, Montana. Image credit: Mihai_Andritoiu / Shutterstock.com.

A visit to Gem Mountain Sapphire Mine lets visitors sift through mining gravel for Montana sapphires, many of which can be cut into finished gemstones. Just outside town, Granite Ghost Town State Park preserves the remains of a silver mining community, with abandoned buildings that mark the region’s boom years. Those interested in local history can stop at the Granite County Museum, where exhibits cover the area’s mining industry and early settlement. Before leaving, many visitors make time for The Sweet Palace, a candy store that has become one of the town’s signature stops.

Livingston

Downtown Livingston, Montana.
Downtown Livingston, Montana. Image credit: Nick Fox / Shutterstock.com.

Livingston sits on the Yellowstone River and serves as a northern gateway to Yellowstone National Park. Restored commercial buildings house an active arts scene, and the Absaroka Range rises just south of the rooflines.

The downtown area of Livingston, Montana.
The downtown area of Livingston, Montana. Editorial credit: melissamn / Shutterstock.com.

The historic downtown works as the town’s main visitor area, with independent bookstores, outfitters, cafes, and long-standing local businesses inside restored commercial buildings. At the Yellowstone Gateway Museum, exhibits trace the region’s history through Indigenous presence, railroad expansion, and early settlement in the Yellowstone Valley. Small galleries across the downtown core show work by regional artists whose subjects often reflect the river valley and the mountains around it.

Red Lodge

Downtown Red Lodge, Montana.
Downtown Red Lodge, Montana. Image credit: peetrv via iStock.com.

Red Lodge marks the start of the Beartooth Highway, one of the highest paved roads in the country. Its compact, walkable downtown keeps locally owned shops and restaurants busy in every season.

The Main Street of Red Lodge, Montana.
The Main Street of Red Lodge, Montana. Image credit: melissamn / Shutterstock.com.

The Beartooth Highway climbs into the Absaroka-Beartooth Wilderness and continues toward Yellowstone National Park, with steep mountain passes, alpine lakes, and long-range views. In winter, Red Lodge Mountain becomes a major recreation area for skiing and snowboarding, with terrain that draws residents and visitors alike. During the warmer months, hiking trails in the surrounding mountains open onto forests, ridgelines, and wildlife viewing areas. Downtown Red Lodge stays active year-round, with local businesses and historic buildings packed into a walkable core.

Choteau

A dinosaur statue in Choteau, Montana.
A dinosaur statue in Choteau, Montana.

Choteau sits where the prairie meets the Rocky Mountain Front, and dinosaurs put it on the map. Fossil beds nearby produced some of the most important dinosaur nesting discoveries in North America, and the town leans into that history.

Downtown of Choteau, Montana.
Downtown Choteau, Montana. Image credit: J. Stephen Conn via Flickr.com.

At the Old Trail Museum, exhibits cover the region’s natural history, including fossil finds and artifacts tied to its prehistoric past. The surrounding country is known for wildlife viewing, with elk, deer, and many bird species in the foothills and open plains near town. Just outside Choteau, fossil sites linked to major dinosaur discoveries have built the area’s reputation in paleontology research. The Rocky Mountain Front opens onto hiking routes and wide viewpoints where the plains give way to the peaks.

Stevensville

Black Angus cattle graze in pasture at Fort Owen State Park in Stevensville, Montana.
Black Angus cattle graze in pasture at Fort Owen State Park in Stevensville, Montana.

Stevensville is the oldest permanent settlement in Montana, founded in 1841 as St. Mary’s Mission. It sits in the Bitterroot Valley between the Bitterroot and Sapphire mountains, and the town center still runs at a slower pace.

St. Mary’s Mission is the town’s most significant landmark, preserving the mission’s early buildings and marking the first permanent Euro-American settlement in what became Montana. The Bitterroot Valley around Stevensville is known for its orchards, farmland, and mountain views, and it serves as a corridor to nearby communities and recreation areas. Local boutiques and small shops fill a compact town center that reflects its long history. Hiking trails in the nearby foothills reach forested terrain, open meadows, and views of the Bitterroot Mountains, drawing the most traffic during the warmer months.

Virginia City

The Main Street in Virginia City, Montana.
Main Street in Virginia City, Montana. Image credit: SSBN 728 / Shutterstock.com.

Virginia City boomed after an 1863 gold strike in Alder Gulch, and much of that town survived. Wooden boardwalks, original storefronts, and period buildings still line the Main Street, so a walk here doubles as a walk through the 1860s.

Historic structures throughout the town can be toured to see how miners, shopkeepers, and early settlers lived during the gold rush era. Several small museums and preserved buildings cover mining equipment, frontier life, and local governance during the 1800s. Costumed interpreters run seasonal reenactments as well, recreating daily routines and events from Virginia City’s early years.

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Small Towns Worth the Detour

These eight towns show how much Montana packs into its smaller communities. Livingston and Whitefish put national parks within reach of a walkable downtown, while Philipsburg and Virginia City keep their mining-era streets intact and open to visitors. Choteau turns fossil country into a point of local pride, and Stevensville carries the state’s oldest roots. Anyone looking for genuine small-town hospitality will find plenty of it across these Montana communities.



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Montana Lottery Big Sky Bonus, Millionaire for Life results for July 9, 2026

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The Montana Lottery offers multiple draw games for those aiming to win big.

Here’s a look at July 9, 2026, results for each game:

Winning Big Sky Bonus numbers from July 9 drawing

08-21-24-29, Bonus: 16

Check Big Sky Bonus payouts and previous drawings here.

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Winning Millionaire for Life numbers from July 9 drawing

02-15-22-54-58, Bonus: 04

Check Millionaire for Life payouts and previous drawings here.

Feeling lucky? Explore the latest lottery news & results

When are the Montana Lottery drawings held?

  • Powerball: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
  • Mega Millions: 9 p.m. MT on Tuesday and Friday.
  • Lucky For Life: 8:38 p.m. MT daily.
  • Lotto America: 9 p.m. MT on Monday, Wednesday and Saturday.
  • Big Sky Bonus: 7:30 p.m. MT daily.
  • Powerball Double Play: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
  • Montana Cash: 8 p.m. MT on Wednesday and Saturday.
  • Millionaire for Life: 9:15 p.m. MT daily.

Missed a draw? Peek at the past week’s winning numbers.

This results page was generated automatically using information from TinBu and a template written and reviewed by a Great Falls Tribune editor. You can send feedback using this form.



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