Mortgage Rates in Roundup, Montana — March 2026
Updated March 2026 | Based on Roundup market data and regional lending conditions
Roundup is a growing city in Montana with a population of 1,783. The current 30-year fixed mortgage rate in Roundup is 6.83%, which is 0.18% above the national average. With a median home price of $309,000 and a 20% down payment of $61,800, homebuyers can expect a monthly principal and interest payment of approximately $1,617.
Current Mortgage Rates in Roundup, MT
Below are the current average mortgage rates available in the Roundup 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Roundup Housing Market Overview
The Roundup housing market reflects moderate demand with prices near the national average. The median household income in Roundup is $54,300, and the cost of living index is 94.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $77,486 to comfortably afford the median-priced home in Roundup, which exceeds the current median household income.
Monthly Payment Breakdown for Roundup
Based on the median home price of $309,000 with 20% down ($61,800), here is what you can expect to pay monthly in Roundup:
15-Year vs. 30-Year Mortgage in Roundup
Choosing a 15-year mortgage in Roundup at 6.06% instead of a 30-year at 6.83% would save you $205,200 in total interest over the life of the loan. However, your monthly payment would be $2,094 instead of $1,617 — an increase of $477 per month.
Calculate Your Roundup Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Roundup
What are the current mortgage rates in Roundup, MT?
As of March 2026, the average 30-year fixed mortgage rate in Roundup, Montana is 6.83%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Roundup?
Based on the median home price of $309,000 with 20% down, the estimated monthly mortgage payment in Roundup is $1,617 for principal and interest. Including property taxes of $191/month, the total monthly housing cost is approximately $1,808.
What income do I need to buy a home in Roundup?
Using the 28% rule, you would need an annual income of approximately $77,486 to afford the median-priced home in Roundup at $309,000. The median household income in Roundup is $54,300. This means most households would need to either earn above the median or consider homes below $309,000.
Is Roundup a good place to buy a home in 2026?
Roundup offers a below-average cost of living with a cost of living index of 94.9 (national average = 100). The property tax rate in Montana is 0.74%, which is below the national average. Roundup has a population of 1,783 and offers a very affordable lifestyle.
Mortgage Rates in Other Montana Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Roundup, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.