Lincoln County, Montana home prices
Typical home $423,372 · -0.3% in a year · property tax 0.54%
The typical home in Lincoln County is worth $423,372, 9% less than the Montana typical home ($467,275). Values changed -0.3% in the past year and +32.6% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($2,306 on the typical home), versus 0.69% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,674 | $338,698 | $2,278 | $0 | $404 | $2,682 | $115,000 |
| 10% down | $42,337 | $381,035 | $2,563 | $159 | $404 | $3,126 | $134,000 |
| 5% down | $21,169 | $402,203 | $2,706 | $168 | $404 | $3,277 | $140,400 |
| 3.5% down (FHA) | $14,818 | $415,704 | $2,796 | $187 | $404 | $3,388 | $145,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Yellowstone County | $401,522 | +2.3% | 0.81% |
| Beaverhead County | $394,409 | +3.6% | 0.67% |
| Mineral County | $391,935 | +2.2% | 0.48% |
| Sanders County | $459,525 | +6.0% | 0.53% |
| Granite County | $462,296 | +3.6% | 0.6% |
| 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% |
| Teton County | $356,563 | +8.1% | 0.75% |
| Carbon County | $504,796 | +3.7% | 0.54% |
Frequently asked questions
What is the average home price in Lincoln County, MT?
The typical home value in Lincoln County is $423,372 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $115,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).