Town guides » Montana

Buying a home in Montana

Statewide typical figures: what buying and owning costs across Montana, plus the FHA loan limits that apply here.

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Every town in Montana

222 towns with Census survey data: median home value, property taxes, and rents on every page.

Property taxes in Montana

ItemAmount
Residential rate$8.88 per $1,000 of assessed value
Annual tax on a $600,000 homeabout $8,888 ($888 per month)
Commercial rate$88.88 per $1,000

Assessed value often trails sale price; your first-year bill may differ. Rates change each fiscal year.

Homeowners insurance

Baseline premiums in Montana run about $888 per $100,000 of dwelling coverage per year. Your actual quote moves with the home's age, roof, claims history, and deductible.

Closing costs

Buyer-side itemEstimate
Buyer's attorney (typical)$8,888
Owner's title insurance on $600,000about $8,888
Recording fees$888
Example subtotalabout $8,888

Lender fees, prepaid taxes and insurance, and escrows come on top. Your loan estimate is the binding number.

Ongoing town costs

CostTypical
Water and sewerabout $88 per month
Trash pickupabout $88 per month
Snow removal (typical season)about $888 per year

FHA loan limits (2026)

The most an FHA-insured mortgage can lend here, set by HUD per county and refreshed each January.

Property sizeLimit
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

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Data years: 2024. All figures are estimates for planning, not quotes. Confirm with the town, your lender, and your insurance agent before relying on them.