TrueAffordHome Affordability by State
What can you afford in Montana?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Montana's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Montana's effective property tax rate is around 0.61% of home value per year — the 17th lowest in the country. Average homeowner's insurance runs near $2,520/year on a $300,000 home — the 23rd highest.
Comfortable
$255,242
Stretch
$318,033
Risky ceiling
$356,667
A lender would likely approve up to $356,667 on this baseline in Montana — but this household's own budget, once real expenses are counted, can only sustain $318,033. That $38,634 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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