Total monthly cost of ownership
Cost to Own a Home in Four Corners, Montana
A $620,000 home here costs
$4,430per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,187. The real number is $1,243 higher every month — 39% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Four Corners against Gallatin County and Montana
| Measure | Four Corners | Gallatin County |
|---|---|---|
| Median home value | $620,200 | $604,900 |
| Median property tax | $3,752 | $3,625 |
| Effective tax rate | 0.605% | 0.599% |
| Median gross rent | $1,192 | $1,574 |
| Population | 5,562 | 122,194 |
The weather behind that power bill
Four Corners sits in Gallatin County, which averages a high of 85.4°F in its hottest month and a low of 9.7°F in its coldest, with 13.43" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 232 cooling and 8,244 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Gallatin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gallatin County
Full Gallatin County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in Four Corners?
A $620,000 home in Four Corners, Montana costs approximately $4,430 per month with 20% down at 6.66%. That is $3,187 principal and interest, $313 property tax, $213 homeowners insurance, $200 utilities and $517 set aside for maintenance.
What is the property tax rate in Four Corners?
Four Corners has an effective property tax rate of 0.605%, based on a median home value of $620,200 and median real estate taxes of $3,752. That is in line with the Gallatin County average of 0.599%.
What is the average home price in Four Corners?
The median owner-occupied home value in Four Corners, Montana is $620,200, against $604,900 across Gallatin County.
Is it cheaper to rent or buy in Four Corners?
Median gross rent in Four Corners is $1,192 a month, against $4,430 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Four Corners — 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.