Total monthly cost of ownership
Cost to Own a Home in Roundup, Montana
A $118,000 home here costs
$1,066per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $607. The real number is $459 higher every month — 76% 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.
Roundup against Musselshell County and Montana
| Measure | Roundup | Musselshell County |
|---|---|---|
| Median home value | $118,300 | $221,200 |
| Median property tax | $1,448 | $1,383 |
| Effective tax rate | 1.224% | 0.625% |
| Median gross rent | $886 | $865 |
| Population | 1,964 | 5,068 |
The weather behind that power bill
Roundup sits in Musselshell County, which averages a high of 88.9°F in its hottest month and a low of 13.1°F in its coldest, with 14.88" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 482 cooling and 7,193 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Musselshell County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Musselshell County
No other places of this size are published in Musselshell County.
Full Musselshell County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in Roundup?
A $118,000 home in Roundup, Montana costs approximately $1,066 per month with 20% down at 6.66%. That is $607 principal and interest, $120 property tax, $41 homeowners insurance, $200 utilities and $98 set aside for maintenance.
What is the property tax rate in Roundup?
Roundup has an effective property tax rate of 1.224%, based on a median home value of $118,300 and median real estate taxes of $1,448. That is higher than the Musselshell County average of 0.625%.
What is the average home price in Roundup?
The median owner-occupied home value in Roundup, Montana is $118,300, against $221,200 across Musselshell County.
Is it cheaper to rent or buy in Roundup?
Median gross rent in Roundup is $886 a month, against $1,066 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 Roundup — 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.