Mortgage Rates in West Yellowstone, Montana — March 2026
Updated March 2026 | Based on West Yellowstone market data and regional lending conditions
West Yellowstone is a growing city in Montana with a population of 1,353. The current 30-year fixed mortgage rate in West Yellowstone is 6.61%, which is 0.04% below the national average. With a median home price of $331,000 and a 20% down payment of $66,200, homebuyers can expect a monthly principal and interest payment of approximately $1,693.
Current Mortgage Rates in West Yellowstone, MT
Below are the current average mortgage rates available in the West Yellowstone 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
West Yellowstone Housing Market Overview
The West Yellowstone housing market reflects moderate demand with prices near the national average. The median household income in West Yellowstone is $50,900, and the cost of living index is 94 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $81,771 to comfortably afford the median-priced home in West Yellowstone, which exceeds the current median household income.
Monthly Payment Breakdown for West Yellowstone
Based on the median home price of $331,000 with 20% down ($66,200), here is what you can expect to pay monthly in West Yellowstone:
15-Year vs. 30-Year Mortgage in West Yellowstone
Choosing a 15-year mortgage in West Yellowstone at 5.88% instead of a 30-year at 6.61% would save you $210,420 in total interest over the life of the loan. However, your monthly payment would be $2,217 instead of $1,693 — an increase of $524 per month.
Calculate Your West Yellowstone 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 West Yellowstone
What are the current mortgage rates in West Yellowstone, MT?
As of March 2026, the average 30-year fixed mortgage rate in West Yellowstone, Montana is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in West Yellowstone?
Based on the median home price of $331,000 with 20% down, the estimated monthly mortgage payment in West Yellowstone is $1,693 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $1,908.
What income do I need to buy a home in West Yellowstone?
Using the 28% rule, you would need an annual income of approximately $81,771 to afford the median-priced home in West Yellowstone at $331,000. The median household income in West Yellowstone is $50,900. This means most households would need to either earn above the median or consider homes below $331,000.
Is West Yellowstone a good place to buy a home in 2026?
West Yellowstone offers a below-average cost of living with a cost of living index of 94 (national average = 100). The property tax rate in Montana is 0.78%, which is below the national average. West Yellowstone has a population of 1,353 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 West Yellowstone, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.