Mortgage Rates in Montana Today
Mortgage rates in Montana today start from the national 30-year fixed survey average of 6.76%, observed September 10, 2026. There is no published state-level survey, so what changes here is the local maths: on Montana's median home value of $320,323, that rate works out at $1,664 a month in principal and interest.
30-year fixed
6.76%
Freddie Mac Primary Mortgage Market Survey via FRED, observation of September 10, 2026.
- One month ago
- 6.67%
- One year ago
- 6.35%
- 12-month high
- 6.76%
- 12-month low
- 5.98%
What that rate costs on a typical Montana home
- Median home value
- $320,323
- Loan at 20% down
- $256,258
- Principal and interest
- $1,664/mo
- Median property tax
- $2,485/yr
- Payment plus taxes
- $1,871/mo
- Median household income
- $66,499
That payment absorbs 33.8% of the median Montana household income before insurance, maintenance and any other debt. Lenders generally look for housing costs under 28% of gross income.
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Methodology
The rate shown is the national 30-year fixed average from the Freddie Mac Primary Mortgage Market Survey, retrieved through FRED. No state-level mortgage survey is published, so we do not invent one.
Local context comes from the Census American Community Survey: Montana's median home value, median household income and median real estate taxes paid.
The monthly payment is principal and interest on 80% of the median home value at the national survey rate, over 30 years. It excludes insurance, HOA fees and mortgage insurance.
Sources: Freddie Mac PMMS via FRED; US Census Bureau, American Community Survey. American Community Survey 5-year estimates, 2022.