Flathead County, Montana home prices
Typical home $646,151 · +2.0% in a year · property tax 0.58%
The typical home in Flathead County is worth $646,151, 38% more than the Montana typical home ($467,275). Values changed +2.0% in the past year and +21.9% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($3,765 on the typical home), versus 0.69% statewide.
Mortgage on the typical Flathead County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $129,230 | $516,921 | $3,477 | $0 | $637 | $4,114 | $176,300 |
| 10% down | $64,615 | $581,536 | $3,912 | $242 | $637 | $4,791 | $205,300 |
| 5% down | $32,308 | $613,844 | $4,129 | $256 | $637 | $5,022 | $215,200 |
| 3.5% down (FHA) | $22,615 | $634,448 | $4,268 | $286 | $637 | $5,191 | $222,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 · part of the Kalispell metro area.
Montana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Park County | $602,767 | +1.8% | 0.56% |
| Ravalli County | $598,423 | +1.7% | 0.5% |
| Lake County | $595,594 | +2.4% | 0.61% |
| Gallatin County | $697,762 | +1.1% | 0.59% |
| Missoula County | $569,820 | +1.3% | 0.88% |
| Madison County | $752,502 | +3.2% | 0.41% |
| Broadwater County | $524,149 | +1.8% | 0.56% |
| Jefferson County | $520,701 | +3.5% | 0.55% |
| Carbon County | $504,796 | +3.7% | 0.54% |
| Stillwater County | $487,371 | +10.8% | 0.57% |
Frequently asked questions
What is the average home price in Flathead County, MT?
The typical home value in Flathead County is $646,151 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Flathead County?
About $176,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Flathead County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).