Butte, MT home prices
Typical home $286,303 · +3.1% in a year · income needed $82,200
The Butte, MT metro area ranks 351 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +36.7% over five years. With 20% down at 7.11%, the typical home costs about $1,918 a month including 0.98% property tax (Silver Bow County rate).
Mortgage on the typical Butte home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,261 | $229,042 | $1,541 | $0 | $377 | $1,918 | $82,200 |
| 10% down | $28,630 | $257,673 | $1,733 | $107 | $377 | $2,218 | $95,000 |
| 5% down | $14,315 | $271,988 | $1,830 | $113 | $377 | $2,320 | $99,400 |
| 3.5% down (FHA) | $10,021 | $281,117 | $1,891 | $127 | $377 | $2,395 | $102,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% 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.
Counties in the Butte area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Silver Bow County, MT | $286,274 | +3.1% | 0.98% |
What can you afford in Montana on your salary? · Montana home prices · Salaries in Montana
Frequently asked questions
How much is a house in Butte?
The typical home in the Butte, MT metro area is worth $286,303 (Zillow, September 2026).
What salary do you need to buy a house in Butte?
About $82,200 a year for the typical home with 20% down at 7.11%.