Montana Mortgage Calculator
Estimate the monthly PITI payment on a Montana home. Preseeded with the state’s 0.74% effective property-tax rate, $1,300 average annual insurance, and $460,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$2,871
- Principal & Interest
- $2,326
- Property Taxes
- $284
- Home Insurance
- $108
- PMI
- $153
Total Interest
$469,364
Total Cost
$978,484
Payoff Year
2056
Montana Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.74%
- Avg annual insurance
- $1,300
- Median home price
- $460,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Montana Rules
Montana has no general sales tax. Property-tax rates rose sharply after the 2023 reappraisal cycle as home values surged in Bozeman, Missoula, and the Flathead Valley. The state offers Property Tax Assistance for low-income homeowners and elderly residents.
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Frequently Asked Questions
- Montana's statewide effective property-tax rate is approximately 0.74% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.