Helena, MT home prices
Typical home $473,368 · +3.0% in a year · income needed $132,700
The Helena, MT metro area ranks 89 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.0% in a year and +28.1% over five years. With 20% down at 7.11%, the typical home costs about $3,096 a month including 0.79% property tax (Lewis and Clark County rate).
Mortgage on the typical Helena home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $94,674 | $378,694 | $2,547 | $0 | $549 | $3,096 | $132,700 |
| 10% down | $47,337 | $426,031 | $2,866 | $178 | $549 | $3,592 | $154,000 |
| 5% down | $23,668 | $449,699 | $3,025 | $187 | $549 | $3,761 | $161,200 |
| 3.5% down (FHA) | $16,568 | $464,794 | $3,127 | $209 | $549 | $3,885 | $166,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 Helena area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lewis and Clark County, MT | $466,454 | +3.0% | 0.79% |
| Jefferson County, MT | $520,701 | +3.5% | 0.55% |
What can you afford in Montana on your salary? · Montana home prices · Salaries in Montana
Frequently asked questions
How much is a house in Helena?
The typical home in the Helena, MT metro area is worth $473,368 (Zillow, September 2026).
What salary do you need to buy a house in Helena?
About $132,700 a year for the typical home with 20% down at 7.11%.