Granite County, Montana home prices
Typical home $462,296 · +3.6% in a year · property tax 0.6%
The typical home in Granite County is worth $462,296, about the same as the Montana typical home ($467,275). Values changed +3.6% in the past year and +29.5% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($2,792 on the typical home), versus 0.69% statewide.
Mortgage on the typical Granite County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $92,459 | $369,837 | $2,488 | $0 | $464 | $2,952 | $126,500 |
| 10% down | $46,230 | $416,066 | $2,799 | $173 | $464 | $3,436 | $147,300 |
| 5% down | $23,115 | $439,181 | $2,954 | $183 | $464 | $3,601 | $154,300 |
| 3.5% down (FHA) | $16,180 | $453,922 | $3,054 | $204 | $464 | $3,722 | $159,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 |
|---|---|---|---|
| Sanders County | $459,525 | +6.0% | 0.53% |
| Lewis and Clark County | $466,454 | +3.0% | 0.79% |
| Sweet Grass County | $481,714 | +10.1% | 0.49% |
| Stillwater County | $487,371 | +10.8% | 0.57% |
| Lincoln County | $423,372 | -0.3% | 0.54% |
| Carbon County | $504,796 | +3.7% | 0.54% |
| Jefferson County | $520,701 | +3.5% | 0.55% |
| Yellowstone County | $401,522 | +2.3% | 0.81% |
| Broadwater County | $524,149 | +1.8% | 0.56% |
| Beaverhead County | $394,409 | +3.6% | 0.67% |
Frequently asked questions
What is the average home price in Granite County, MT?
The typical home value in Granite County is $462,296 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Granite County?
About $126,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Granite County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).