Montana (MT) · West Real Estate Profile
Montana Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Montana. In Montana, the effective statewide property tax rate averages 0.74% and homeowners insurance averages 0.52% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.74%
Homeowners Insurance0.52%
Median Home Price$460,000
Conforming Loan Limit$766,550
Property Tax Context for Montana: At 0.74%, a median-priced home of $460,000 pays roughly $3,404 per year in property taxes ($284/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Montana Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Montana residents.
Monthly Payment Benchmarks in Montana (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | MT Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $116/mo | $1,145/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $193/mo | $1,908/mo | $82,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $270/mo | $2,672/mo | $114,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $347/mo | $3,435/mo | $147,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $424/mo | $4,198/mo | $180,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $578/mo | $5,725/mo | $245,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $771/mo | $7,633/mo | $327,000/yr | View schedule → |
Browse all 25 loan amounts in Montana
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in MT$763/mo$150k in MT$1,145/mo$200k in MT$1,527/mo$250k in MT$1,908/mo$300k in MT$2,290/mo$350k in MT$2,672/mo$400k in MT$3,053/mo$450k in MT$3,435/mo$500k in MT$3,817/mo$550k in MT$4,198/mo$600k in MT$4,580/mo$650k in MT$4,962/mo$700k in MT$5,343/mo$750k in MT$5,725/mo$800k in MT$6,107/mo$850k in MT$6,488/mo$900k in MT$6,870/mo$950k in MT$7,252/mo$1 million in MT$7,633/mo$1.1 million in MT$8,396/mo$1.2 million in MT$9,160/mo$1.3 million in MT$9,923/mo$1.4 million in MT$10,686/mo$1.5 million in MT$11,450/mo$2 million in MT$15,266/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →
Closing Costs & Transfer Tax in Montana
Montana levies no real estate transfer tax; sales prices are non-disclosure by law.