Total monthly cost of ownership
Cost to Own a Home in Wye, Montana
A $521,000 home here costs
$3,854per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,678. The real number is $1,175 higher every month — 44% 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.
Wye against Missoula County and Montana
| Measure | Wye | Missoula County |
|---|---|---|
| Median home value | $520,700 | $423,100 |
| Median property tax | $4,342 | $3,833 |
| Effective tax rate | 0.834% | 0.906% |
| Median gross rent | $1,804 | $1,125 |
| Population | 1,222 | 119,639 |
The weather behind that power bill
Wye 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 Wye?
A $521,000 home in Wye, Montana costs approximately $3,854 per month with 20% down at 6.66%. That is $2,678 principal and interest, $362 property tax, $179 homeowners insurance, $200 utilities and $434 set aside for maintenance.
What is the property tax rate in Wye?
Wye has an effective property tax rate of 0.834%, based on a median home value of $520,700 and median real estate taxes of $4,342. That is lower than the Missoula County average of 0.906%.
What is the average home price in Wye?
The median owner-occupied home value in Wye, Montana is $520,700, against $423,100 across Missoula County.
Is it cheaper to rent or buy in Wye?
Median gross rent in Wye is $1,804 a month, against $3,854 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 Wye — 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.