Kalispell, MT home prices
Typical home $646,137 · +2.0% in a year · income needed $176,300
The Kalispell, MT metro area ranks 37 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.0% in a year and +21.9% over five years. With 20% down at 7.11%, the typical home costs about $4,114 a month including 0.58% property tax (Flathead County rate).
Mortgage on the typical Kalispell home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $129,227 | $516,909 | $3,477 | $0 | $637 | $4,114 | $176,300 |
| 10% down | $64,614 | $581,523 | $3,912 | $242 | $637 | $4,791 | $205,300 |
| 5% down | $32,307 | $613,830 | $4,129 | $256 | $637 | $5,022 | $215,200 |
| 3.5% down (FHA) | $22,615 | $634,434 | $4,268 | $286 | $637 | $5,190 | $222,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 Kalispell area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Flathead County, MT | $646,151 | +2.0% | 0.58% |
What can you afford in Montana on your salary? · Montana home prices · Salaries in Montana
Frequently asked questions
How much is a house in Kalispell?
The typical home in the Kalispell, MT metro area is worth $646,137 (Zillow, September 2026).
What salary do you need to buy a house in Kalispell?
About $176,300 a year for the typical home with 20% down at 7.11%.