Pondera County, Montana home prices
Typical home $262,193 · +9.1% in a year · property tax 0.8%
The typical home in Pondera County is worth $262,193, 44% less than the Montana typical home ($467,275). Values changed +9.1% in the past year and +45.1% over five years. Homeowners here pay a median 0.8% of their home's value in property tax each year ($2,100 on the typical home), versus 0.69% statewide.
Mortgage on the typical Pondera County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,439 | $209,755 | $1,411 | $0 | $306 | $1,717 | $73,600 |
| 10% down | $26,219 | $235,974 | $1,587 | $98 | $306 | $1,992 | $85,400 |
| 5% down | $13,110 | $249,084 | $1,676 | $104 | $306 | $2,086 | $89,400 |
| 3.5% down (FHA) | $9,177 | $257,444 | $1,732 | $116 | $306 | $2,154 | $92,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% 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 |
|---|---|---|---|
| Custer County | $247,629 | +8.8% | 1.03% |
| Powder River County | $278,081 | +11.2% | 0.68% |
| McCone County | $243,541 | +9.9% | 0.68% |
| Richland County | $282,058 | +5.3% | 0.74% |
| Silver Bow County | $286,274 | +3.1% | 0.98% |
| Fergus County | $286,543 | +5.2% | 0.75% |
| Musselshell County | $236,271 | +2.6% | 0.55% |
| Deer Lodge County | $294,344 | +3.4% | 0.78% |
| Chouteau County | $294,526 | +9.4% | 0.75% |
| Hill County | $227,989 | +4.3% | 0.98% |
Frequently asked questions
What is the average home price in Pondera County, MT?
The typical home value in Pondera County is $262,193 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pondera County?
About $73,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pondera County?
The median effective rate is 0.8% of home value a year (Census ACS 2024 5-year estimates).