Total monthly cost of ownership
Cost to Own a Home in Sun Prairie, Montana
A $157,000 home here costs
$1,344per 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 $57,500 a year.
A standard mortgage calculator would have told you $856. The real number is $488 higher every month, 57% more than the payment most buyers budget for.
Compare Cascade County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Sun Prairie from a five-year rolling sample, and with about 1,514 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Cascade County figures are drawn from a far larger sample if you want a steadier number.
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 $133 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
Talk to someone who works this market
These are Sun Prairie 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 Sun Prairie every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Sun Prairie I already own here and may sell
Common questions
How much does it cost to own a home in Sun Prairie?
A $157,000 home in Sun Prairie, Montana costs approximately $1,344 per month with 20% down at 7.24%. That is $856 principal and interest, $103 property tax, $54 homeowners insurance, $201 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.
What salary do you need to buy a home in Sun Prairie?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sun Prairie, Montana at today's rate takes a household income of roughly $57,500 a year. That covers the full $1,344 monthly cost, not just the mortgage payment.
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.