Montana Housing Market
Buyer-Friendly (Score: 88/100)Median Sale Price
$505,100
-1.3% YoY
Active Inventory
4,939
Days on Market
115 days
Price Drops
16.2%
Demographics & Economics
Source: U.S. Census ACSPopulation
1,105,072
Median Household Income
$69,922
Census Median Home Value
$338,100
Homeownership Rate
69.4%
Vacancy Rate
13.4%
Price-to-Income Ratio
7.2x
Affordability: The median home in Montana costs 7.2x the median household income.
This is above the historically affordable threshold of 3-4x income, suggesting stretched affordability.
Cost of Living & Safety
Sources: HUD, BEA, FBI UCRCost of Living Index
94.645
5.4% below national avg
Cost context: Montana has a Regional Price Parity of 94.645 (national average = 100).
Living costs are meaningfully below the national average, making take-home pay stretch further here.
Environment & Risk
Sources: EPA, FEMA NRI, FEMA NFIPOverall Risk Rating
Relatively Low
EAL Score
25.0
expected annual loss index
Expected Annual Loss
$753,801,508
from natural hazards
earthquake
tornado
flooding
wildfire
heat Wave
cold Wave
drought
hail
winter Weather
strong Wind
lightning
Water Violations
501
total SDWIS violations
Flood Insurance Policies
86,637
active NFIP policies
Flood Claims Filed
2,217
historical NFIP claims
Water quality note: EPA SDWIS tracks regulatory violations for public water systems. For the most current and detailed tap water quality in your area with stricter health-based guidelines, visit the EWG Tap Water Database.
Price Trend
Inventory Trend
88
Buyer-Friendly
0 50 100
Montana Market Score: 88/100
This score reflects how buyer- or seller-friendly the Montana market is right now, based on days on market, price cuts, sale-to-list ratio, inventory levels, and year-over-year price movement.
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