Total monthly cost of ownership
Cost to Own a Home in Sun Prairie, Montana
A $157,000 home here costs
$1,295per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $807. The real number is $488 higher every month — 60% 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.
Sun Prairie against Cascade County and Montana
| Measure | Sun Prairie | Cascade County |
|---|---|---|
| Median home value | $156,800 | $243,300 |
| Median property tax | $1,234 | $2,236 |
| Effective tax rate | 0.787% | 0.919% |
| Median gross rent | — | $902 |
| Population | 1,514 | 84,601 |
The weather behind that power bill
Sun Prairie sits in Cascade County, which averages a high of 84.3°F in its hottest month and a low of 15.0°F in its coldest, with 14.76" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 310 cooling and 7,722 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Cascade County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cascade County
Full Cascade County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in Sun Prairie?
A $157,000 home in Sun Prairie, Montana costs approximately $1,295 per month with 20% down at 6.66%. That is $807 principal and interest, $103 property tax, $54 homeowners insurance, $200 utilities and $131 set aside for maintenance.
What is the property tax rate in Sun Prairie?
Sun Prairie has an effective property tax rate of 0.787%, based on a median home value of $156,800 and median real estate taxes of $1,234. That is lower than the Cascade County average of 0.919%.
What is the average home price in Sun Prairie?
The median owner-occupied home value in Sun Prairie, Montana is $156,800, against $243,300 across Cascade County.
Is it cheaper to rent or buy in Sun Prairie?
Rent data is not published for Sun Prairie at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sun Prairie — 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.