Jefferson County, Montana home prices
Typical home $520,701 · +3.5% in a year · property tax 0.55%
The typical home in Jefferson County is worth $520,701, 11% more than the Montana typical home ($467,275). Values changed +3.5% in the past year and +34.5% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($2,850 on the typical home), versus 0.69% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $104,140 | $416,561 | $2,802 | $0 | $498 | $3,300 | $141,400 |
| 10% down | $52,070 | $468,631 | $3,153 | $195 | $498 | $3,846 | $164,800 |
| 5% down | $26,035 | $494,666 | $3,328 | $206 | $498 | $4,032 | $172,800 |
| 3.5% down (FHA) | $18,225 | $511,270 | $3,439 | $230 | $498 | $4,167 | $178,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.55% 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 Helena metro area.
Montana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Broadwater County | $524,149 | +1.8% | 0.56% |
| Carbon County | $504,796 | +3.7% | 0.54% |
| Stillwater County | $487,371 | +10.8% | 0.57% |
| Sweet Grass County | $481,714 | +10.1% | 0.49% |
| Missoula County | $569,820 | +1.3% | 0.88% |
| Lewis and Clark County | $466,454 | +3.0% | 0.79% |
| Granite County | $462,296 | +3.6% | 0.6% |
| Sanders County | $459,525 | +6.0% | 0.53% |
| Lake County | $595,594 | +2.4% | 0.61% |
| Ravalli County | $598,423 | +1.7% | 0.5% |
Frequently asked questions
What is the average home price in Jefferson County, MT?
The typical home value in Jefferson County is $520,701 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $141,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).