$475,191
Typical Home Value
July 31, 2026
+1.8% YoY
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Montana Real Estate Guide
Understand the Montana Market
Montana Real Estate Market: 2026 Snapshot
Montana's statewide numbers show a market with meaningful inventory and room for negotiation, but they should not be treated as a substitute for local comparable sales.
As of July 31, 2026, Zillow reported a typical Montana home value of $475,191, up 1.8% from a year earlier, with 7,506 homes for sale and a median 23 days to pending. For June transactions, Zillow reported a 98.9% median sale-to-list ratio, and 58.6% of sales closed below the final list price.
Redfin's June 2026 dataset measured the market differently and reported 85 median days on market and approximately six months of supply statewide. The difference between Zillow's days to pending and Redfin's days on market is a good reminder that market metrics should be compared only when the definitions match.
For buyers, the statewide data means some properties may offer room for negotiation—but condition, location, price range and competing offers still control the individual deal. For sellers, the same data makes initial pricing and property positioning important.
7,506
Homes for Sale
July 31, 2026
Statewide inventory
23 days
Days to Pending
July 31, 2026
Zillow measure
98.9%
Median Sale-to-List
June 2026
Zillow measure
58.6%
Sales Below List
June 2026
Closed below final list
Major Real Estate Markets in Montana
Montana is not one uniform housing market. Current asking-price snapshots illustrate how far apart major markets can be. These are listing-market reference points, not rankings of which communities are appropriate for LGBTQ+ households.
Bozeman
Redfin's current Montana listing snapshot shows an average asking price of about $695,000 in Bozeman, with 64 average days on market. Buyers comparing Bozeman with other Montana cities therefore need to set expectations around a higher current asking-price environment rather than relying on the statewide figure alone.
Missoula
Missoula's current average asking price is approximately $629,500, with 63 average days on market in the same Redfin snapshot. That places its current listing environment below Bozeman but materially above Billings and Helena.
Billings
Billings currently shows an average asking price of approximately $419,000 and 55 average days on market. It also had more active listings in Redfin's city snapshot than Bozeman, Missoula, or Helena, giving buyers and sellers a different competitive set to evaluate.
Helena
Helena currently shows an average asking price of approximately $465,000 and 53 average days on market. Its current listing-price environment sits well below Bozeman and Missoula, while available inventory is smaller than in the other three markets highlighted here.
Buying & Moving in Montana
Buying a Home in Montana
Montana buyers should investigate state assistance before assuming they must fund the entire down payment and closing-cost requirement from savings.
Before touring homes, establish a realistic monthly budget rather than shopping from the maximum purchase price alone. Estimate the mortgage payment, property taxes, insurance, expected utilities and other recurring ownership costs together.
Featured program
Bond Advantage
Bond Advantage can provide up to 5% of the sales price, capped at $15,000, for eligible down-payment and closing costs. It is structured as a 15-year amortizing second loan. The current program requires a minimum 620 credit score, homebuyer education and at least $1,000 of borrower investment, which may be gifted.
- Assistance
- Up to 5% of sales price, capped at $15,000
- Loan structure
- 15-year amortizing second loan
- Credit score
- 620 minimum currently published
- Borrower investment
- At least $1,000, which may be gifted
MBOH Plus 0% Deferred
MBOH Plus can also provide up to 5% of the sales price, capped at $15,000, but it is structured as a 0% deferred second loan with no monthly payment. The balance becomes due when the property is transferred or sold or when the first loan is refinanced or paid off. Current published requirements include a 620 minimum credit score, a maximum 45% debt-to-income ratio, homebuyer education and program-specific household-income limits.
- Assistance
- Up to 5% of sales price, capped at $15,000
- Loan structure
- 0% deferred second loan with no monthly payment
- Debt-to-income
- 45% maximum currently published
- Repayment
- Due on transfer, sale, refinance, or payoff of the first loan
Plan Your Montana Purchase
Program rules, income limits, purchase-price limits and mortgage terms can change. An approved participating lender should determine current eligibility before you build an offer strategy around either program.
Montana Board of Housing program rules, income limits, purchase-price limits, lender requirements and mortgage terms can change. Confirm current eligibility with an approved participating lender before relying on either assistance structure.
Montana Seller Resources
Selling a Home in Montana
Montana's current market data argues for pricing discipline—not for assuming that every property will sell immediately or at the asking price.
Zillow reported 7,506 homes for sale statewide on July 31, 2026. For June sales, its median sale-to-list ratio was 98.9%, while 58.6% of transactions closed below the final list price. Redfin separately reported 85 median days on market and six months of supply for June.
For a seller, those numbers make the first pricing decision especially important. Buyers have competing inventory to compare, and a price that starts materially above its strongest comparable sales can create additional market time before a correction attracts attention.
That does not mean every Montana property should be priced below expectations. The more useful question is how your home compares with the properties a buyer can purchase instead. Location, condition, acreage, renovations, property type and local inventory can change the competitive picture considerably.
A Montana listing agent should be able to show you recent closed comparable sales, current competing listings, listings that required price reductions, typical market time for genuinely comparable properties, and how your property's condition and presentation affect its position against that competition. The statewide numbers are a starting point; your listing strategy should be built from the local data underneath them.
Ownership costs
Montana's 2026 Property-Tax Rules for Homes and Rentals
Montana made a significant change to residential property taxation for tax year 2026. The new structure treats qualifying primary residences and long-term rentals differently from second homes, short-term rentals and some other residential property.
Qualifying Homesteads and Long-Term Rentals
For qualifying homesteads and long-term rentals, the Department of Revenue uses an incremental structure for 2026: 0.76% on the first $378,000 of market value; 0.90% on the portion from $378,001 through $756,000; 1.10% on the portion from $756,001 through $1,511,999; and 1.90% on the portion above that threshold.
The Department states that each portion of value is taxed within its applicable bracket rather than applying the highest bracket to the property's entire value.
Second Homes and Short-Term Rentals
The 2026 flat rate for non-primary residences and non-long-term rentals—including second homes, short-term rentals and vacant residential lots—is 1.90% under the Department's current guidance. Different rules can apply to agricultural, forest and multifamily property.
How you will occupy or use a property may affect its applicable classification, so do not assume the prior owner's tax treatment will match your own.
Verify Before You Budget or Sell
For buyers, verify the property's current classification and your potential eligibility directly with the Montana Department of Revenue or appropriate local tax authority. For owners preparing to sell, be careful when quoting a current tax bill as an estimate of the buyer's future tax liability.
The Department is already accepting enrollment for qualifying 2027 homestead and long-term-rental treatment, so these rules should be rechecked each year rather than left as evergreen figures.
Estimate Your Montana Closing Costs
Get a clearer starting point for lender, title, prepaid and transaction expenses before making an offer.
Relocation guide
Moving to Montana: Compare the Market Before You Choose a Home
If you're moving to Montana from another state, a statewide median can hide more than it reveals.
Current listing data illustrates the difference: Bozeman's average asking price is about $695,000, Missoula's about $629,500, Helena's about $465,000 and Billings' about $419,000. That gap can change the type of property, monthly payment and amount of competition you encounter even before you begin comparing individual neighborhoods.
Build a relocation search around objective real-estate questions: What property types fit the budget in each market? How much active inventory is available in the required price range? How long are comparable properties taking to sell? Does the property qualify for the tax treatment you expect based on how you will use it? If using Montana Board of Housing financing, does the household and property meet current program requirements? Does your agent regularly work in the market where you are buying?
An affirming Montana relocation agent should help you compare those factors without steering you toward or away from an area based on protected characteristics.
- Budget and property type
- Active inventory
- Market time
- Property-tax classification
- MBOH eligibility
- Local market experience
- Commute and services
- Maintenance expectations
Choosing the Right Real Estate Support
How to Choose an LGBTQ+ Affirming Realtor in Montana
An LGBTQ+-affirming agent should create a respectful experience without making you trade away real-estate expertise.
Before choosing an agent, ask about recent buyer or seller work in the specific Montana market you need, the types of properties they typically handle, their communication process and how they approach negotiation.
Verify Through Montana DLI
Use Montana's Licensee Lookup System as the primary source for professional credential verification and review available disciplinary information.
Specific Market Experience
Ask about recent transactions in the Montana market, property type, and price range that match your plans.
Clear Representation
Discuss communication, deadlines, costs, negotiation strategy, and who will coordinate each part of the transaction.
Objective Guidance
Choose an agent who compares locations using housing and transaction factors rather than assumptions about protected characteristics.
Respect and Privacy
Your agent should respect your identity, family structure, names, pronouns, privacy, and defined decision-makers.
You can independently verify professional credentials. Montana's Department of Labor & Industry describes its Licensee Lookup System as the primary source for verifying state professional license credentials. The lookup system can also show available disciplinary information, although the Department notes that some disciplinary actions may not appear immediately while proceedings or appeals are pending.
An affirming agent should address you, your partner or spouse, and your family respectfully; use the names and pronouns you provide; keep private information private; compare locations using objective housing and transaction factors; avoid assumptions about where you should live; communicate clearly about representation, deadlines and costs; and coordinate professionally with lenders, inspectors, title professionals and other parties involved in the transaction.
Identity or allyship alone does not establish real-estate competence. Look for both.
Consumer resources
Fair Housing and LGBTQ+ Housing Resources in Montana
Montana consumers have state and federal channels for reporting possible housing discrimination, but current agency materials should be used rather than relying on older summaries of the law.
The Montana Human Rights Bureau investigates discrimination complaints in housing. Its current protected-class information states that sex includes sexual orientation, and its sex-discrimination guidance says sex discrimination is unlawful in housing and that the Bureau will accept and analyze complaints involving sexual orientation and gender identity.
The Bureau currently says a written state complaint generally must be filed within 180 days of the adverse act or its discovery, with extensions available only in limited circumstances. HUD also accepts Fair Housing Act allegations, and its current process says an FHA allegation generally must be filed within one year of the last alleged discriminatory act.
Because federal agency rules, interpretations and enforcement policies can change, anyone dealing with a possible federal claim should use HUD's current reporting materials rather than relying solely on a historical policy announcement. This page is educational and is not individual legal advice.
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Program details, eligibility, and funding can change. Pride REC does not provide lending, tax, insurance, or legal advice. Confirm current terms with qualified local professionals and the relevant program administrator.
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FAQs
Montana LGBTQ+ Real Estate FAQs
Everything you need to know about finding your perfect LGBTQ+ real estate agent in Montana.
Considering a State Near Montana?
Many moves come down to comparing two or three states. Each guide below covers that state's market conditions, buyer programs, ownership costs, and housing resources.
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