Lewis and Clark County, Montana home prices
Typical home $466,454 · +3.0% in a year · property tax 0.79%
The typical home in Lewis and Clark County is worth $466,454, about the same as the Montana typical home ($467,275). Values changed +3.0% in the past year and +27.3% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($3,690 on the typical home), versus 0.69% statewide.
Mortgage on the typical Lewis and Clark County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $93,291 | $373,163 | $2,510 | $0 | $541 | $3,051 | $130,800 |
| 10% down | $46,645 | $419,809 | $2,824 | $175 | $541 | $3,540 | $151,700 |
| 5% down | $23,323 | $443,131 | $2,981 | $185 | $541 | $3,706 | $158,800 |
| 3.5% down (FHA) | $16,326 | $458,005 | $3,081 | $206 | $541 | $3,828 | $164,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 |
|---|---|---|---|
| Granite County | $462,296 | +3.6% | 0.6% |
| Sanders County | $459,525 | +6.0% | 0.53% |
| Sweet Grass County | $481,714 | +10.1% | 0.49% |
| Stillwater County | $487,371 | +10.8% | 0.57% |
| Carbon County | $504,796 | +3.7% | 0.54% |
| Lincoln County | $423,372 | -0.3% | 0.54% |
| Jefferson County | $520,701 | +3.5% | 0.55% |
| Broadwater County | $524,149 | +1.8% | 0.56% |
| Yellowstone County | $401,522 | +2.3% | 0.81% |
| Beaverhead County | $394,409 | +3.6% | 0.67% |
Frequently asked questions
What is the average home price in Lewis and Clark County, MT?
The typical home value in Lewis and Clark County is $466,454 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lewis and Clark County?
About $130,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lewis and Clark County?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).