Mortgage Rates in Helena Valley Southeast, Montana — March 2026
Updated March 2026 | Based on Helena Valley Southeast market data and regional lending conditions
Helena Valley Southeast is a growing city in Montana with a population of 8,100. The current 30-year fixed mortgage rate in Helena Valley Southeast is 6.78%, which is 0.13% above the national average. With a median home price of $302,000 and a 20% down payment of $60,400, homebuyers can expect a monthly principal and interest payment of approximately $1,572.
Current Mortgage Rates in Helena Valley Southeast, MT
Below are the current average mortgage rates available in the Helena Valley Southeast 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 | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Helena Valley Southeast Housing Market Overview
The Helena Valley Southeast housing market reflects moderate demand with prices near the national average. The median household income in Helena Valley Southeast is $49,100, and the cost of living index is 91.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $75,900 to comfortably afford the median-priced home in Helena Valley Southeast, which exceeds the current median household income.
Monthly Payment Breakdown for Helena Valley Southeast
Based on the median home price of $302,000 with 20% down ($60,400), here is what you can expect to pay monthly in Helena Valley Southeast:
15-Year vs. 30-Year Mortgage in Helena Valley Southeast
Choosing a 15-year mortgage in Helena Valley Southeast at 6.02% instead of a 30-year at 6.78% would save you $198,540 in total interest over the life of the loan. However, your monthly payment would be $2,041 instead of $1,572 — an increase of $469 per month.
Calculate Your Helena Valley Southeast 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 Helena Valley Southeast
What are the current mortgage rates in Helena Valley Southeast, MT?
As of March 2026, the average 30-year fixed mortgage rate in Helena Valley Southeast, Montana is 6.78%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Helena Valley Southeast?
Based on the median home price of $302,000 with 20% down, the estimated monthly mortgage payment in Helena Valley Southeast is $1,572 for principal and interest. Including property taxes of $199/month, the total monthly housing cost is approximately $1,771.
What income do I need to buy a home in Helena Valley Southeast?
Using the 28% rule, you would need an annual income of approximately $75,900 to afford the median-priced home in Helena Valley Southeast at $302,000. The median household income in Helena Valley Southeast is $49,100. This means most households would need to either earn above the median or consider homes below $302,000.
Is Helena Valley Southeast a good place to buy a home in 2026?
Helena Valley Southeast offers a below-average cost of living with a cost of living index of 91.9 (national average = 100). The property tax rate in Montana is 0.79%, which is below the national average. Helena Valley Southeast has a population of 8,100 and offers a very affordable 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 Helena Valley Southeast, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.