Carter County, Montana home prices
Typical home $160,312 · -9.5% in a year · property tax 0.45%
The typical home in Carter County is worth $160,312, 66% less than the Montana typical home ($467,275). Values changed -9.5% in the past year and +28.8% over five years. Homeowners here pay a median 0.45% of their home's value in property tax each year ($728 on the typical home), versus 0.69% statewide.
Mortgage on the typical Carter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,062 | $128,249 | $863 | $0 | $141 | $1,004 | $43,000 |
| 10% down | $16,031 | $144,280 | $971 | $60 | $141 | $1,171 | $50,200 |
| 5% down | $8,016 | $152,296 | $1,025 | $63 | $141 | $1,229 | $52,700 |
| 3.5% down (FHA) | $5,611 | $157,408 | $1,059 | $71 | $141 | $1,271 | $54,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% 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.
What it takes: see what you can afford by salary in Montana.
Montana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Glacier County | $161,975 | -0.8% | 0.84% |
| Daniels County | $164,716 | +7.7% | 0.87% |
| Roosevelt County | $145,987 | +12.2% | 1.28% |
| Sheridan County | $175,449 | +10.1% | 1.23% |
| Toole County | $179,923 | +2.2% | 0.87% |
| Wheatland County | $182,100 | +11.3% | 0.56% |
| Petroleum County | $189,964 | +2.8% | 0.6% |
| Fallon County | $191,717 | +7.9% | 0.5% |
| Valley County | $193,649 | +11.6% | 1.18% |
| Prairie County | $126,753 | +2.9% | 0.84% |
Frequently asked questions
What is the average home price in Carter County, MT?
The typical home value in Carter County is $160,312 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carter County?
About $43,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carter County?
The median effective rate is 0.45% of home value a year (Census ACS 2024 5-year estimates).