Richland County, Montana home prices
Typical home $282,058 · +5.3% in a year · property tax 0.74%
The typical home in Richland County is worth $282,058, 40% less than the Montana typical home ($467,275). Values changed +5.3% in the past year and -8.6% over five years. Homeowners here pay a median 0.74% of their home's value in property tax each year ($2,074 on the typical home), versus 0.69% statewide.
Mortgage on the typical Richland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,412 | $225,646 | $1,518 | $0 | $314 | $1,832 | $78,500 |
| 10% down | $28,206 | $253,852 | $1,708 | $106 | $314 | $2,127 | $91,200 |
| 5% down | $14,103 | $267,955 | $1,803 | $112 | $314 | $2,228 | $95,500 |
| 3.5% down (FHA) | $9,872 | $276,949 | $1,863 | $125 | $314 | $2,302 | $98,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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 |
|---|---|---|---|
| Powder River County | $278,081 | +11.2% | 0.68% |
| Silver Bow County | $286,274 | +3.1% | 0.98% |
| Fergus County | $286,543 | +5.2% | 0.75% |
| Deer Lodge County | $294,344 | +3.4% | 0.78% |
| Chouteau County | $294,526 | +9.4% | 0.75% |
| Judith Basin County | $296,563 | +5.5% | 0.45% |
| Garfield County | $298,632 | +23.4% | 0.62% |
| Pondera County | $262,193 | +9.1% | 0.8% |
| Meagher County | $309,452 | -1.6% | 0.66% |
| Custer County | $247,629 | +8.8% | 1.03% |
Frequently asked questions
What is the average home price in Richland County, MT?
The typical home value in Richland County is $282,058 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Richland County?
About $78,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Richland County?
The median effective rate is 0.74% of home value a year (Census ACS 2024 5-year estimates).