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 6.76% (30-yr fixed), including Montana property tax and insurance. Data through 2026-07.

  1. Butte — typical home $289K, income to buy about $77,000/yr
  2. Great Falls — typical home $342K, income to buy about $91,000/yr
  3. Billings — typical home $406K, income to buy about $108,000/yr
  4. Helena — typical home $485K, income to buy about $128,000/yr
  5. Belgrade — typical home $553K, income to buy about $147,000/yr
  6. Kalispell — typical home $566K, income to buy about $150,000/yr
  7. Missoula — typical home $574K, income to buy about $152,000/yr
  8. Bozeman — typical home $727K, income to buy about $193,000/yr

At the other end, Montana's priciest markets: Bozeman ($193,000/yr), Missoula ($152,000/yr), Kalispell ($150,000/yr), Belgrade ($147,000/yr), Helena ($128,000/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.