Mortgage Rates in Montana — April 2026
Compare current mortgage rates across 55 cities in Montana. The average 30-year fixed rate is 6.74%, which is 0.65% above the national average of 6.09%.
Montana Housing Highlights
All 55 Cities in Montana
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Billings | 6.71% | $345,000 | $1,783 | 119,116 |
| Missoula | 6.71% | $475,000 | $2,455 | 75,516 |
| Great Falls | 6.71% | $255,000 | $1,318 | 60,442 |
| Bozeman | 6.71% | $625,000 | $3,230 | 53,293 |
| Colstrip | 6.79% | $450,000 | $2,345 | 40,584 |
| Butte | 6.71% | $215,000 | $1,111 | 34,494 |
| Helena | 6.71% | $345,000 | $1,783 | 34,425 |
| Big Sky | 6.67% | $280,000 | $1,441 | 32,624 |
| Kalispell | 6.71% | $445,000 | $2,300 | 27,600 |
| Plains | 6.68% | $420,000 | $2,164 | 25,541 |
| Philipsburg | 6.77% | $455,000 | $2,366 | 23,621 |
| White Sulphur Springs | 6.64% | $385,000 | $1,975 | 23,454 |
| Malta | 6.6% | $430,000 | $2,197 | 22,155 |
| Broadus | 6.82% | $465,000 | $2,430 | 19,961 |
| Belgrade | 6.87% | $333,000 | $1,749 | 11,395 |
| Havre | 6.02% | $185,000 | $889 | 9,846 |
| Anaconda | 6.7% | $342,000 | $1,765 | 9,153 |
| Miles City | 6.88% | $303,000 | $1,593 | 8,647 |
| Evergreen | 6.75% | $328,000 | $1,702 | 8,482 |
| Lockwood | 6.61% | $352,000 | $1,800 | 8,234 |
| Helena Valley Southeast | 6.78% | $302,000 | $1,572 | 8,100 |
| Livingston | 6.63% | $349,000 | $1,789 | 8,065 |
| Whitefish | 6.65% | $308,000 | $1,582 | 8,032 |
| Helena Valley West Central | 6.66% | $354,000 | $1,820 | 7,883 |
| Laurel | 6.89% | $334,000 | $1,758 | 7,150 |
| Sidney | 6.82% | $338,000 | $1,766 | 6,843 |
| Lewistown | 6.74% | $308,000 | $1,597 | 5,901 |
| Columbia Falls | 6.85% | $327,000 | $1,714 | 5,885 |
| Orchard Homes | 6.87% | $290,000 | $1,523 | 5,856 |
| Bigfork | 6.61% | $298,000 | $1,524 | 5,253 |
| Polson | 6.82% | $290,000 | $1,516 | 5,203 |
| Hamilton | 6.88% | $289,000 | $1,520 | 4,969 |
| Glendive | 6.7% | $333,000 | $1,719 | 4,935 |
| Four Corners | 6.78% | $295,000 | $1,535 | 4,517 |
| Dillon | 6.7% | $313,000 | $1,616 | 4,134 |
| Lolo | 6.85% | $268,000 | $1,405 | 4,006 |
| Hardin | 6.85% | $303,000 | $1,588 | 3,818 |
| Shelby | 6.85% | $310,000 | $1,625 | 3,376 |
| Glasgow | 6.77% | $322,000 | $1,674 | 3,302 |
| Deer Lodge | 6.64% | $267,000 | $1,370 | 2,944 |
| Cut Bank | 6.69% | $331,000 | $1,707 | 2,869 |
| Conrad | 6.76% | $264,000 | $1,371 | 2,547 |
| Wolf Point | 6.78% | $268,000 | $1,395 | 2,517 |
| Red Lodge | 6.88% | $320,000 | $1,683 | 2,337 |
| Stevensville | 6.82% | $288,000 | $1,505 | 2,289 |
| East Helena | 6.77% | $275,000 | $1,430 | 2,188 |
| Columbus | 6.89% | $274,000 | $1,442 | 2,100 |
| Townsend | 6.8% | $294,000 | $1,533 | 2,073 |
| Roundup | 6.83% | $309,000 | $1,617 | 1,783 |
| Forsyth | 6.76% | $290,000 | $1,506 | 1,777 |
| Baker | 6.84% | $270,000 | $1,414 | 1,741 |
| Thompson Falls | 6.76% | $307,000 | $1,595 | 1,448 |
| West Yellowstone | 6.61% | $331,000 | $1,693 | 1,353 |
| Whitehall | 6.67% | $293,000 | $1,508 | 1,212 |
| Terry | 6.63% | $282,000 | $1,445 | 605 |
Montana Mortgage Rates Guide — 2026
Montana homebuyers currently see an average 30-year fixed mortgage rate of 6.74%, with median home prices around $327,764. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,699.
The most affordable city for homebuyers in Montana is Havre, where the median home price is $185,000. On the other end, Bozeman has the highest prices at $625,000. Property tax rates across the state average 0.77%.
To comfortably afford a home at the state average price, a household income of approximately $72,814 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Montana Mortgages
What are current mortgage rates in Montana?
As of April 2026, the average 30-year fixed mortgage rate in Montana is 6.74% and the 15-year fixed rate averages 5.98%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Montana?
The median home price across 55 cities in Montana is $327,764. Prices range from $185,000 in Havre to $625,000 in Bozeman.
How much income do I need to buy a house in Montana?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $72,814 to comfortably afford the average home in Montana. The median household income in the state is approximately $53,155.
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