Mortgage Rates in Stevensville, Montana — March 2026
Updated March 2026 | Based on Stevensville market data and regional lending conditions
Stevensville is a growing city in Montana with a population of 2,289. The current 30-year fixed mortgage rate in Stevensville is 6.82%, which is 0.17% above the national average. With a median home price of $288,000 and a 20% down payment of $57,600, homebuyers can expect a monthly principal and interest payment of approximately $1,505.
Current Mortgage Rates in Stevensville, MT
Below are the current average mortgage rates available in the Stevensville 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Stevensville Housing Market Overview
The Stevensville housing market offers relatively affordable housing compared to many major cities. The median household income in Stevensville is $60,100, and the cost of living index is 93 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $71,700 to comfortably afford the median-priced home in Stevensville, which exceeds the current median household income.
Monthly Payment Breakdown for Stevensville
Based on the median home price of $288,000 with 20% down ($57,600), here is what you can expect to pay monthly in Stevensville:
15-Year vs. 30-Year Mortgage in Stevensville
Choosing a 15-year mortgage in Stevensville at 6.05% instead of a 30-year at 6.82% would save you $190,800 in total interest over the life of the loan. However, your monthly payment would be $1,950 instead of $1,505 — an increase of $445 per month.
Calculate Your Stevensville 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 Stevensville
What are the current mortgage rates in Stevensville, MT?
As of March 2026, the average 30-year fixed mortgage rate in Stevensville, Montana is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Stevensville?
Based on the median home price of $288,000 with 20% down, the estimated monthly mortgage payment in Stevensville is $1,505 for principal and interest. Including property taxes of $168/month, the total monthly housing cost is approximately $1,673.
What income do I need to buy a home in Stevensville?
Using the 28% rule, you would need an annual income of approximately $71,700 to afford the median-priced home in Stevensville at $288,000. The median household income in Stevensville is $60,100. This means most households would need to either earn above the median or consider homes below $288,000.
Is Stevensville a good place to buy a home in 2026?
Stevensville offers a below-average cost of living with a cost of living index of 93 (national average = 100). The property tax rate in Montana is 0.7%, which is below the national average. Stevensville has a population of 2,289 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 Stevensville, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.