Total monthly cost of ownership
Cost to Own a Home in Whitehall, Montana
A $181,000 home here costs
$1,460per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $931. The real number is $530 higher every month — 57% 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.
Whitehall against Jefferson County and Montana
| Measure | Whitehall | Jefferson County |
|---|---|---|
| Median home value | $180,600 | $408,000 |
| Median property tax | $1,397 | $2,274 |
| Effective tax rate | 0.774% | 0.557% |
| Median gross rent | $689 | $886 |
| Population | 1,151 | 12,501 |
The weather behind that power bill
Whitehall sits in Jefferson County, which averages a high of 82.5°F in its hottest month and a low of 11.5°F in its coldest, with 10.8" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 157 cooling and 8,312 heating degree days, which is what sets the $132 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Montana
Common questions
How much does it cost to own a home in Whitehall?
A $181,000 home in Whitehall, Montana costs approximately $1,460 per month with 20% down at 6.66%. That is $931 principal and interest, $117 property tax, $62 homeowners insurance, $200 utilities and $151 set aside for maintenance.
What is the property tax rate in Whitehall?
Whitehall has an effective property tax rate of 0.774%, based on a median home value of $180,600 and median real estate taxes of $1,397. That is higher than the Jefferson County average of 0.557%.
What is the average home price in Whitehall?
The median owner-occupied home value in Whitehall, Montana is $180,600, against $408,000 across Jefferson County.
Is it cheaper to rent or buy in Whitehall?
Median gross rent in Whitehall is $689 a month, against $1,460 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 Whitehall — 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.