The most affordable cities to buy a house in Montana (2026)

Every Montana city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 6.66% (30-yr fixed), including Montana property tax and insurance. Data through 2026-06.

1. Butte — typical home $293K, income to buy about $77,000/yr
2. Great Falls — typical home $343K, income to buy about $90,000/yr
3. Billings — typical home $403K, income to buy about $106,000/yr
4. Helena — typical home $484K, income to buy about $127,000/yr
5. Belgrade — typical home $555K, income to buy about $146,000/yr
6. Kalispell — typical home $565K, income to buy about $149,000/yr
7. Missoula — typical home $576K, income to buy about $151,000/yr
8. Bozeman — typical home $734K, income to buy about $193,000/yr

At the other end, Montana's priciest markets: Bozeman ($193,000/yr), Missoula ($151,000/yr), Kalispell ($149,000/yr), Belgrade ($146,000/yr), Helena ($127,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.