Total monthly cost of ownership
Cost to Own a Home in Anaconda-Deer Lodge County, Montana
A $210,000 home here costs
$1,735per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $74,500 a year.
A standard mortgage calculator would have told you $1,145. The real number is $590 higher every month, 52% more than the payment most buyers budget for.
Compare Deer Lodge County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Anaconda-Deer Lodge County against Deer Lodge County and Montana
| Measure | Anaconda-Deer Lodge County | Deer Lodge County |
|---|---|---|
| Median home value | $209,700 | $209,700 |
| Median property tax | $1,706 | $1,706 |
| Effective tax rate | 0.814% | 0.814% |
| Median gross rent | $661 | $661 |
| Population | 9,512 | 9,512 |
The weather behind that power bill
Anaconda-Deer Lodge County sits in Deer Lodge County, which averages a high of 82.7°F in its hottest month and a low of 14.7°F in its coldest, with 14.89" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 177 cooling and 7,880 heating degree days, which is what sets the $133 electricity line above.
See the full climate breakdown for Deer Lodge County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Deer Lodge County
No other places of this size are published in Deer Lodge County.
Full Deer Lodge County cost breakdown · Every county in Montana
Talk to someone who works this market
These are Anaconda-Deer Lodge County averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Anaconda-Deer Lodge County every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Anaconda-Deer Lodge County I already own here and may sell
Common questions
How much does it cost to own a home in Anaconda-Deer Lodge County?
A $210,000 home in Anaconda-Deer Lodge County, Montana costs approximately $1,735 per month with 20% down at 7.24%. That is $1,145 principal and interest, $142 property tax, $72 homeowners insurance, $201 utilities and $175 set aside for maintenance.
What is the property tax rate in Anaconda-Deer Lodge County?
Anaconda-Deer Lodge County has an effective property tax rate of 0.814%, based on a median home value of $209,700 and median real estate taxes of $1,706. That is in line with the Deer Lodge County average of 0.814%.
What is the average home price in Anaconda-Deer Lodge County?
The median owner-occupied home value in Anaconda-Deer Lodge County, Montana is $209,700, against $209,700 across Deer Lodge County.
Is it cheaper to rent or buy in Anaconda-Deer Lodge County?
Median gross rent in Anaconda-Deer Lodge County is $661 a month, against $1,735 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Anaconda-Deer Lodge County?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Anaconda-Deer Lodge County, Montana at today's rate takes a household income of roughly $74,500 a year. That covers the full $1,735 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Anaconda-Deer Lodge County, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Montana.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.