Mortgage Rates in Four Corners, Montana — March 2026
Updated March 2026 | Based on Four Corners market data and regional lending conditions
Four Corners is a growing city in Montana with a population of 4,517. The current 30-year fixed mortgage rate in Four Corners is 6.78%, which is 0.13% above the national average. With a median home price of $295,000 and a 20% down payment of $59,000, homebuyers can expect a monthly principal and interest payment of approximately $1,535.
Current Mortgage Rates in Four Corners, MT
Below are the current average mortgage rates available in the Four Corners area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Four Corners Housing Market Overview
The Four Corners housing market offers relatively affordable housing compared to many major cities. The median household income in Four Corners is $49,600, and the cost of living index is 95.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $74,100 to comfortably afford the median-priced home in Four Corners, which exceeds the current median household income.
Monthly Payment Breakdown for Four Corners
Based on the median home price of $295,000 with 20% down ($59,000), here is what you can expect to pay monthly in Four Corners:
15-Year vs. 30-Year Mortgage in Four Corners
Choosing a 15-year mortgage in Four Corners at 6.01% instead of a 30-year at 6.78% would save you $193,860 in total interest over the life of the loan. However, your monthly payment would be $1,993 instead of $1,535 — an increase of $458 per month.
Calculate Your Four Corners Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Four Corners
What are the current mortgage rates in Four Corners, MT?
As of March 2026, the average 30-year fixed mortgage rate in Four Corners, Montana is 6.78%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Four Corners?
Based on the median home price of $295,000 with 20% down, the estimated monthly mortgage payment in Four Corners is $1,535 for principal and interest. Including property taxes of $194/month, the total monthly housing cost is approximately $1,729.
What income do I need to buy a home in Four Corners?
Using the 28% rule, you would need an annual income of approximately $74,100 to afford the median-priced home in Four Corners at $295,000. The median household income in Four Corners is $49,600. This means most households would need to either earn above the median or consider homes below $295,000.
Is Four Corners a good place to buy a home in 2026?
Four Corners offers a below-average cost of living with a cost of living index of 95.1 (national average = 100). The property tax rate in Montana is 0.79%, which is below the national average. Four Corners has a population of 4,517 and offers a balanced lifestyle.
Mortgage Rates in Other Montana Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Four Corners, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.