Total monthly cost of ownership
Cost to Own a Home in Seeley Lake, Montana
A $270,000 home here costs
$2,042per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,388. The real number is $653 higher every month — 47% 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.
Seeley Lake against Missoula County and Montana
| Measure | Seeley Lake | Missoula County |
|---|---|---|
| Median home value | $270,400 | $423,100 |
| Median property tax | $1,631 | $3,833 |
| Effective tax rate | 0.603% | 0.906% |
| Median gross rent | $1,028 | $1,125 |
| Population | 1,335 | 119,639 |
The weather behind that power bill
Seeley Lake sits in Missoula County, which averages a high of 85.4°F in its hottest month and a low of 17.8°F in its coldest, with 14.11" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 306 cooling and 7,514 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Missoula County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Missoula County
Full Missoula County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in Seeley Lake?
A $270,000 home in Seeley Lake, Montana costs approximately $2,042 per month with 20% down at 6.66%. That is $1,388 principal and interest, $136 property tax, $93 homeowners insurance, $200 utilities and $225 set aside for maintenance.
What is the property tax rate in Seeley Lake?
Seeley Lake has an effective property tax rate of 0.603%, based on a median home value of $270,400 and median real estate taxes of $1,631. That is lower than the Missoula County average of 0.906%.
What is the average home price in Seeley Lake?
The median owner-occupied home value in Seeley Lake, Montana is $270,400, against $423,100 across Missoula County.
Is it cheaper to rent or buy in Seeley Lake?
Median gross rent in Seeley Lake is $1,028 a month, against $2,042 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 Seeley Lake — 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.