How much house can I afford on $80,000 in Montana?
About $289,000 with 20% down ($230,000 with an FHA loan), using Montana's 0.69% property tax rate.
That is $178,143 less than the typical Montana home ($467,275), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,556 principal and interest, $166 property tax and $145 insurance.
Counties in Montana you can afford on $80,000
29 of 56 counties have a typical home value at or below $289,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fergus County | $286,543 | +5.2% | 0.75% |
| Silver Bow County | $286,274 | +3.1% | 0.98% |
| Richland County | $282,058 | +5.3% | 0.74% |
| Powder River County | $278,081 | +11.2% | 0.68% |
| Pondera County | $262,193 | +9.1% | 0.8% |
| Custer County | $247,629 | +8.8% | 1.03% |
| McCone County | $243,541 | +9.9% | 0.68% |
| Musselshell County | $236,271 | +2.6% | 0.55% |
| Hill County | $227,989 | +4.3% | 0.98% |
| Rosebud County | $227,615 | +4.8% | 0.7% |
| Treasure County | $225,549 | +13.4% | 0.59% |
| Golden Valley County | $220,718 | +14.0% | 0.53% |
| Big Horn County | $218,323 | +4.2% | 1.1% |
| Blaine County | $214,696 | +2.5% | 1.34% |
| Phillips County | $212,750 | +5.0% | 0.78% |
| Wibaux County | $210,481 | +10.2% | 0.61% |
| Liberty County | $205,277 | -1.7% | 0.93% |
| Dawson County | $199,650 | +8.0% | 1.14% |
| Valley County | $193,649 | +11.6% | 1.18% |
| Fallon County | $191,717 | +7.9% | 0.5% |
| Petroleum County | $189,964 | +2.8% | 0.6% |
| Wheatland County | $182,100 | +11.3% | 0.56% |
| Toole County | $179,923 | +2.2% | 0.87% |
| Sheridan County | $175,449 | +10.1% | 1.23% |
| Daniels County | $164,716 | +7.7% | 0.87% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Montana
Frequently asked questions
How much house can I afford on $80,000 in Montana?
About $289,000 with 20% down at 7.11%, keeping the payment (with Montana's 0.69% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Montana?
Not the typical home: the typical Montana home is worth $467,275 (Zillow, September 2026) and $80,000 supports about $289,000. 29 of 56 counties are within budget.