Total monthly cost of ownership
Cost to Own a Home in White Sulphur Springs, Montana
A $232,000 home here costs
$1,785per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,193. The real number is $593 higher every month — 50% 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.
White Sulphur Springs against Meagher County and Montana
| Measure | White Sulphur Springs | Meagher County |
|---|---|---|
| Median home value | $231,700 | $244,400 |
| Median property tax | $1,435 | $1,705 |
| Effective tax rate | 0.619% | 0.698% |
| Median gross rent | $940 | $871 |
| Population | 1,097 | 1,979 |
The weather behind that power bill
White Sulphur Springs sits in Meagher County, which averages a high of 81.6°F in its hottest month and a low of 12.9°F in its coldest, with 13.04" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 150 cooling and 8,465 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Meagher County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Meagher County
No other places of this size are published in Meagher County.
Full Meagher County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in White Sulphur Springs?
A $232,000 home in White Sulphur Springs, Montana costs approximately $1,785 per month with 20% down at 6.66%. That is $1,193 principal and interest, $120 property tax, $80 homeowners insurance, $200 utilities and $193 set aside for maintenance.
What is the property tax rate in White Sulphur Springs?
White Sulphur Springs has an effective property tax rate of 0.619%, based on a median home value of $231,700 and median real estate taxes of $1,435. That is lower than the Meagher County average of 0.698%.
What is the average home price in White Sulphur Springs?
The median owner-occupied home value in White Sulphur Springs, Montana is $231,700, against $244,400 across Meagher County.
Is it cheaper to rent or buy in White Sulphur Springs?
Median gross rent in White Sulphur Springs is $940 a month, against $1,785 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 White Sulphur Springs — 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.