Sanders County, Montana home prices
Typical home $459,525 · +6.0% in a year · property tax 0.53%
The typical home in Sanders County is worth $459,525, about the same as the Montana typical home ($467,275). Values changed +6.0% in the past year and +34.1% over five years. Homeowners here pay a median 0.53% of their home's value in property tax each year ($2,418 on the typical home), versus 0.69% statewide.
Mortgage on the typical Sanders County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $91,905 | $367,620 | $2,473 | $0 | $431 | $2,904 | $124,500 |
| 10% down | $45,952 | $413,572 | $2,782 | $172 | $431 | $3,386 | $145,100 |
| 5% down | $22,976 | $436,549 | $2,937 | $182 | $431 | $3,550 | $152,100 |
| 3.5% down (FHA) | $16,083 | $451,202 | $3,035 | $203 | $431 | $3,670 | $157,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.53% 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 |
|---|---|---|---|
| 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% |
| Lincoln County | $423,372 | -0.3% | 0.54% |
| Carbon County | $504,796 | +3.7% | 0.54% |
| Yellowstone County | $401,522 | +2.3% | 0.81% |
| Jefferson County | $520,701 | +3.5% | 0.55% |
| Broadwater County | $524,149 | +1.8% | 0.56% |
| Beaverhead County | $394,409 | +3.6% | 0.67% |
Frequently asked questions
What is the average home price in Sanders County, MT?
The typical home value in Sanders County is $459,525 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sanders County?
About $124,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sanders County?
The median effective rate is 0.53% of home value a year (Census ACS 2024 5-year estimates).