Garfield County, Montana home prices
Typical home $298,632 · +23.4% in a year · property tax 0.62%
The typical home in Garfield County is worth $298,632, 36% less than the Montana typical home ($467,275). Values changed +23.4% in the past year and +93.1% over five years. Homeowners here pay a median 0.62% of their home's value in property tax each year ($1,849 on the typical home), versus 0.69% statewide.
Mortgage on the typical Garfield County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,726 | $238,905 | $1,607 | $0 | $303 | $1,911 | $81,900 |
| 10% down | $29,863 | $268,769 | $1,808 | $112 | $303 | $2,223 | $95,300 |
| 5% down | $14,932 | $283,700 | $1,908 | $118 | $303 | $2,330 | $99,900 |
| 3.5% down (FHA) | $10,452 | $293,223 | $1,973 | $132 | $303 | $2,408 | $103,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% 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 |
|---|---|---|---|
| Judith Basin County | $296,563 | +5.5% | 0.45% |
| Chouteau County | $294,526 | +9.4% | 0.75% |
| Deer Lodge County | $294,344 | +3.4% | 0.78% |
| Meagher County | $309,452 | -1.6% | 0.66% |
| 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% |
| Powell County | $333,071 | +6.2% | 0.69% |
| Pondera County | $262,193 | +9.1% | 0.8% |
Frequently asked questions
What is the average home price in Garfield County, MT?
The typical home value in Garfield County is $298,632 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garfield County?
About $81,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garfield County?
The median effective rate is 0.62% of home value a year (Census ACS 2024 5-year estimates).