Cheapest Cities in Montana 2026 | Most Affordable Places to Buy

All Affordable Cities in Montana

#	City	Median Price	Days on Market	Months Supply	YoY Change
1	Luther	$60K	245 days	—	N/A
2	Stockett	$65K	38 days	3.0 mo	N/A
3	Acton	$83K	61 days	—	N/A
4	Fromberg	$90K	41 days	6.0 mo	N/A
5	Elkhorn	$95K	84 days	—	N/A
6	Rapelje	$129K	129 days	—	N/A
7	Custer	$135K	34 days	—	N/A
8	Simms	$170K	63 days	1.0 mo	N/A
9	Silesia	$190K	57 days	—	N/A
10	Edgar	$199K	157 days	—	N/A
11	Sun River	$200K	495 days	—	N/A
12	Centerville	$220K	61 days	—	N/A
13	Fishtail	$225K	250 days	—	N/A
14	Basin	$225K	90 days	1.0 mo	N/A
15	Tracy	$240K	51 days	—	N/A
16	Rader Creek	$250K	97 days	4.0 mo	N/A
17	Sand Coulee	$265K	112 days	—	N/A
18	Belt	$269K	86 days	4.0 mo	N/A
19	Butte-Silver Bow (balance)	$275K	66 days	4.5 mo	-4.2%
20	Sun Prairie	$280K	31 days	1.0 mo	N/A
21	Whitehall	$282K	87 days	1.5 mo	N/A
22	Fort Shaw	$289K	75 days	—	N/A
23	Pompeys Pillar	$290K	54 days	—	N/A
24	Gilman	$299K	112 days	—	N/A
25	Great Falls	$299K	58 days	3.0 mo	-5.9%
26	Niarada	$300K	289 days	—	N/A
27	Joliet	$300K	43 days	4.0 mo	N/A
28	Columbus	$310K	93 days	2.0 mo	N/A
29	Neihart	$325K	38 days	—	N/A
30	Worden	$325K	98 days	6.0 mo	N/A
31	Polebridge	$329K	77 days	—	N/A
32	Coram	$335K	78 days	4.0 mo	N/A
33	Willow Creek	$340K	23 days	1.0 mo	N/A
34	Wolf Creek	$349K	162 days	2.0 mo	N/A
35	Bearcreek	$350K	50 days	—	N/A
36	Logan	$350K	5 days	—	N/A
37	Potomac	$354K	101 days	—	N/A
38	Huntley	$355K	163 days	0.5 mo	N/A
39	Vaughn	$356K	49 days	1.5 mo	N/A
40	Black Eagle	$364K	82 days	2.0 mo	N/A
41	Billings	$369K	77 days	3.6 mo	+2.1%
42	Absarokee	$375K	97 days	—	N/A
43	Ballantine	$375K	148 days	—	N/A
44	Ponderosa Pines	$375K	79 days	2.3 mo	N/A
45	Laurel	$379K	37 days	4.2 mo	N/A
46	Pinnacle	$380K	197 days	1.0 mo	N/A
47	Rimini	$395K	6 days	—	N/A
48	Augusta	$397K	329 days	3.0 mo	N/A
49	Marysville	$400K	130 days	—	N/A
50	Helena	$408K	78 days	2.8 mo	-10.2%
51	Churchill	$409K	196 days	2.0 mo	N/A
52	Lockwood	$412K	106 days	2.2 mo	N/A
53	Lincoln	$417K	73 days	6.0 mo	N/A
54	Belfry	$420K	320 days	—	N/A
55	Bonner-West Riverside	$425K	173 days	1.0 mo	N/A
56	Columbia Falls	$429K	33 days	3.7 mo	N/A
57	Shepherd	$429K	178 days	—	N/A
58	Helena West Side	$435K	360 days	4.0 mo	N/A
59	Hebgen Lake Estates	$438K	79 days	0.5 mo	N/A
60	Olney	$447K	249 days	—	N/A
61	Red Lodge	$447K	77 days	8.0 mo	N/A
62	East Missoula	$449K	53 days	1.0 mo	N/A
63	Montana City	$449K	94 days	18.0 mo	N/A
64	Broadview	$450K	73 days	1.0 mo	N/A
65	Cascade	$452K	83 days	2.5 mo	N/A
66	Walkerville	$455K	157 days	2.0 mo	N/A
67	Hungry Horse	$457K	62 days	3.5 mo	N/A
68	Nibbe	$460K	79 days	—	N/A
69	Boyd	$464K	49 days	—	N/A
70	Park City	$465K	48 days	1.0 mo	N/A
71	Three Forks	$465K	30 days	1.0 mo	N/A
72	Helena Valley Southeast	$469K	109 days	2.1 mo	N/A
73	Craig	$470K	122 days	—	N/A
74	Little Bitterroot Lake	$475K	104 days	3.0 mo	N/A
75	Boulder	$480K	40 days	2.0 mo	N/A
76	South Hills	$480K	69 days	2.0 mo	N/A
77	Clinton	$480K	419 days	1.0 mo	N/A
78	Belgrade	$499K	109 days	3.9 mo	-4.9%
79	Helena Valley Northwest	$500K	103 days	3.0 mo	N/A
80	Lolo	$502K	122 days	2.2 mo	N/A
81	Seeley Lake	$510K	102 days	4.3 mo	N/A
82	Snowslip	$510K	415 days	—	N/A
83	Ulm	$520K	234 days	1.0 mo	N/A
84	Helena Valley West Central	$525K	75 days	2.2 mo	-8.7%
85	Missoula	$530K	126 days	4.2 mo	-3.6%
86	Clancy	$530K	89 days	3.0 mo	N/A
87	Kalispell	$538K	102 days	5.0 mo	+2.5%
88	East Helena	$540K	87 days	2.7 mo	+18.9%
89	Kila	$549K	52 days	2.0 mo	N/A
90	Roberts	$549K	169 days	—	N/A
91	Evergreen	$550K	148 days	2.4 mo	-6.6%
92	Piltzville	$555K	52 days	—	N/A
93	Wye	$556K	207 days	3.8 mo	N/A
94	Twin Creeks	$559K	151 days	—	N/A
95	Reed Point	$615K	133 days	2.0 mo	N/A
96	Hardy	$625K	154 days	—	N/A
97	Amsterdam	$633K	63 days	—	N/A
98	Jefferson City	$633K	212 days	2.0 mo	N/A
99	Riceville	$650K	243 days	2.0 mo	N/A
100	Essex	$650K	131 days	—	N/A

Affordable Housing in Montana

Looking for affordable housing in Montana? We've ranked 100 cities by median home price to help you find budget-friendly options. The most affordable city is Luther with a median price of $60K.

Tips for Finding Affordable Homes

Look at smaller cities: Often have lower prices than metro areas
Consider commute times: Suburbs may offer better value
Check market trends: Some affordable areas are appreciating quickly
Work with a local agent: They know hidden gems and upcoming areas

Frequently Asked Questions

What are the cheapest cities to buy a house in Montana?

The most affordable cities in Montana are listed above, ranked by median home price. These markets offer entry points significantly below the state average, making homeownership accessible for first-time buyers, investors, and those relocating on a budget.

Is it worth buying a cheap house in Montana?

Affordable Montana cities can offer excellent value, especially for long-term residents and investors. Key factors to evaluate include local job market strength, school quality, crime rates, and future development plans. A local agent can help you distinguish between genuine value and areas with underlying issues.

Why are some Montana cities so much cheaper?

Lower home prices in certain Montana cities reflect factors like smaller population size, distance from major metro areas, limited amenities, or economic transitions. However, many affordable cities offer strong quality of life, growing economies, and appreciation potential that makes them smart buying opportunities.

What salary do I need to buy a house in Montana's cheapest cities?

In Montana's most affordable markets, a household income of $40,000-$60,000 may be sufficient to qualify for a mortgage, depending on the specific price point and current interest rates. Use the 28% rule: your monthly housing payment shouldn't exceed 28% of gross monthly income. A local agent and lender can pre-qualify you.

Are cheap houses in Montana a good investment?

Affordable properties can be excellent investments, especially in Montana cities with growing populations and economies. Look for markets with rising employment, infrastructure investment, and limited new housing supply. These factors often precede price appreciation, turning today's affordable market into tomorrow's growing one.

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Cheapest Cities in Montana

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