Mineral County, Montana home prices
Typical home $391,935 · +2.2% in a year · property tax 0.48%
The typical home in Mineral County is worth $391,935, 16% less than the Montana typical home ($467,275). Values changed +2.2% in the past year and +26.9% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($1,891 on the typical home), versus 0.69% statewide.
Mortgage on the typical Mineral County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $78,387 | $313,548 | $2,109 | $0 | $354 | $2,463 | $105,600 |
| 10% down | $39,194 | $352,742 | $2,373 | $147 | $354 | $2,873 | $123,100 |
| 5% down | $19,597 | $372,338 | $2,505 | $155 | $354 | $3,013 | $129,100 |
| 3.5% down (FHA) | $13,718 | $384,836 | $2,589 | $173 | $354 | $3,116 | $133,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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 |
|---|---|---|---|
| Beaverhead County | $394,409 | +3.6% | 0.67% |
| Yellowstone County | $401,522 | +2.3% | 0.81% |
| Lincoln County | $423,372 | -0.3% | 0.54% |
| Teton County | $356,563 | +8.1% | 0.75% |
| Cascade County | $339,981 | +2.7% | 0.87% |
| Powell County | $333,071 | +6.2% | 0.69% |
| 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% |
| Meagher County | $309,452 | -1.6% | 0.66% |
Frequently asked questions
What is the average home price in Mineral County, MT?
The typical home value in Mineral County is $391,935 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mineral County?
About $105,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mineral County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).