Missoula, MT home prices
Typical home $569,814 · +1.3% in a year · income needed $161,500
The Missoula, MT metro area ranks 52 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.3% in a year and +20.9% over five years. With 20% down at 7.11%, the typical home costs about $3,769 a month including 0.88% property tax (Missoula County rate).
Mortgage on the typical Missoula home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $113,963 | $455,851 | $3,067 | $0 | $702 | $3,769 | $161,500 |
| 10% down | $56,981 | $512,833 | $3,450 | $214 | $702 | $4,366 | $187,100 |
| 5% down | $28,491 | $541,323 | $3,642 | $226 | $702 | $4,569 | $195,800 |
| 3.5% down (FHA) | $19,943 | $559,493 | $3,764 | $252 | $702 | $4,718 | $202,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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 Missoula area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Missoula County, MT | $569,820 | +1.3% | 0.88% |
What can you afford in Montana on your salary? · Montana home prices · Salaries in Montana
Frequently asked questions
How much is a house in Missoula?
The typical home in the Missoula, MT metro area is worth $569,814 (Zillow, September 2026).
What salary do you need to buy a house in Missoula?
About $161,500 a year for the typical home with 20% down at 7.11%.