Housing affordability index in Montana
Housing affordability index in Montana: puts one number on the housing question: 30% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
30%
principal + interest
Monthly payment
$1,664
on a $320,323 home
Median income
$66,499
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Gallatin County | 39.3% | $2,736 |
| 2 | Madison County | 38.2% | $1,949 |
| 3 | Flathead County | 38% | $2,151 |
| 4 | Sanders County | 37.7% | $1,482 |
| 5 | Park County | 36.9% | $2,077 |
| 6 | Lake County | 36.3% | $1,754 |
| 7 | Missoula County | 35.7% | $1,986 |
| 8 | Ravalli County | 35% | $1,965 |
| 9 | Broadwater County | 33.9% | $1,744 |
| 10 | Carbon County | 33.2% | $1,847 |
| 11 | Granite County | 32.8% | $1,471 |
| 12 | Lincoln County | 32.6% | $1,212 |
| 13 | Beaverhead County | 31% | $1,446 |
| 14 | Mineral County | 30.5% | $1,427 |
| 15 | Jefferson County | 29.9% | $1,842 |
| 16 | Lewis and Clark County | 28.8% | $1,724 |
| 17 | Sweet Grass County | 26% | $1,408 |
| 18 | Musselshell County | 25.2% | $1,154 |
| 19 | Stillwater County | 25.1% | $1,642 |
| 20 | Yellowstone County | 24.9% | $1,503 |
| 21 | Deer Lodge County | 23.6% | $913 |
| 22 | Powell County | 23.2% | $1,177 |
| 23 | Cascade County | 23.1% | $1,182 |
| 24 | Meagher County | 23% | $1,069 |
| 25 | Richland County | 22.7% | $1,277 |
| 26 | Judith Basin County | 21.9% | $1,070 |
| 27 | Silver Bow County | 21.7% | $1,017 |
| 28 | Daniels County | 21.4% | $843 |
| 29 | Glacier County | 21.2% | $724 |
| 30 | Wheatland County | 21.1% | $848 |
| 31 | Teton County | 20.8% | $1,128 |
| 32 | Chouteau County | 20.7% | $893 |
| 33 | Custer County | 20.5% | $1,044 |
| 34 | Prairie County | 19.9% | $730 |
| 35 | Hill County | 19.6% | $952 |
| 36 | Toole County | 19.2% | $863 |
| 37 | Valley County | 19.1% | $952 |
| 38 | Big Horn County | 19% | $829 |
| 39 | Carter County | 18.9% | $732 |
| 40 | Fergus County | 18.8% | $913 |
| 41 | Treasure County | 18.7% | $1,094 |
| 42 | Phillips County | 18.1% | $925 |
| 43 | Fallon County | 18.1% | $1,201 |
| 44 | Dawson County | 18% | $1,024 |
| 45 | Pondera County | 17.9% | $893 |
| 46 | Powder River County | 17.3% | $870 |
| 47 | Rosebud County | 17.3% | $831 |
| 48 | Garfield County | 16.6% | $857 |
| 49 | Petroleum County | 16.4% | $793 |
| 50 | Golden Valley County | 15.8% | $721 |
| 51 | Liberty County | 15.3% | $614 |
| 52 | McCone County | 14.7% | $970 |
| 53 | Roosevelt County | 13.8% | $586 |
| 54 | Blaine County | 12.7% | $620 |
| 55 | Sheridan County | 11.3% | $633 |
| 56 | Wibaux County | 10.8% | $529 |
Methodology
Every county figure for Montana uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.