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Montana Mortgage Calculator

Estimate your true cost of homeownership in Montana with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,010
P&I Payment$2,440
Taxes & Ins$364
Utilities$206
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Mortgage Details

$482,591
Local Median: $482,591
$96,518 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,010

Monthly Breakdown

Principal & Interest
$2,440
Property Taxes
$236
Homeowners Ins.
$128
Utilities
$206

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$492,415

Local Housing Facts for Montana

  • ·Median home value: $482,591 (adjusted for current market conditions)
  • ·Est. property taxes: $2,828/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,538/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,469/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Montana?

Based on the local median home value, estimated real estate property taxes in Montana are around $2,828 per year.

What is the average home price in Montana?

The median home value in Montana is currently estimated at $482,591.

How much does homeowners insurance cost in Montana?

For a median priced home, homeowners insurance in Montana averages around $1,538 annually.

What is the true total cost of owning a home in Montana?

True homeownership costs go beyond principal and interest. In Montana, a typical homeowner with a median-priced home of $482,591 can expect to pay roughly $2,828/yr in property taxes, $1,538/yr for homeowners insurance, and $2,469/yr in energy utilities. That adds approximately $570 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.