Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Montana
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Montana ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Wibaux County | $359 | $92,300 | 0.709% |
| 2 | Liberty County | $434 | $116,800 | 1.031% |
| 3 | Sheridan County | $447 | $111,600 | 1.287% |
| 4 | Roosevelt County | $464 | $119,400 | 1.286% |
| 5 | Carter County | $469 | $176,600 | 0.443% |
| 6 | Powder River County | $475 | $149,400 | 0.828% |
| 7 | Glacier County | $480 | $153,400 | 0.812% |
| 8 | Wheatland County | $493 | $172,700 | 0.650% |
| 9 | Big Horn County | $494 | $148,200 | 1.000% |
| 10 | Blaine County | $501 | $124,900 | 1.522% |
| 11 | Garfield County | $503 | $178,300 | 0.656% |
| 12 | Petroleum County | $505 | $173,700 | 0.726% |
| 13 | Prairie County | $512 | $167,100 | 0.855% |
| 14 | Rosebud County | $517 | $188,900 | 0.630% |
| 15 | Golden Valley County | $522 | $203,900 | 0.509% |
| 16 | Phillips County | $525 | $175,000 | 0.848% |
| 17 | Judith Basin County | $529 | $214,200 | 0.453% |
| 18 | Daniels County | $533 | $177,800 | 0.862% |
| 19 | Chouteau County | $534 | $185,100 | 0.781% |
| 20 | Pondera County | $539 | $179,200 | 0.884% |
| 21 | McCone County | $539 | $197,400 | 0.674% |
| 22 | Treasure County | $560 | $215,300 | 0.616% |
| 23 | Toole County | $567 | $187,400 | 0.963% |
| 24 | Musselshell County | $571 | $221,200 | 0.625% |
| 25 | Fergus County | $577 | $202,700 | 0.843% |
| 26 | Deer Lodge County | $585 | $209,700 | 0.814% |
| 27 | Hill County | $585 | $187,600 | 1.080% |
| 28 | Fallon County | $588 | $237,000 | 0.573% |
| 29 | Dawson County | $600 | $187,400 | 1.173% |
| 30 | Valley County | $612 | $198,600 | 1.100% |
| 31 | Custer County | $623 | $204,200 | 1.098% |
| 32 | Lincoln County | $625 | $258,700 | 0.579% |
| 33 | Meagher County | $626 | $244,400 | 0.698% |
| 34 | Teton County | $634 | $235,500 | 0.819% |
| 35 | Powell County | $647 | $255,700 | 0.707% |
| 36 | Silver Bow County | $655 | $223,500 | 1.055% |
| 37 | Richland County | $662 | $259,000 | 0.747% |
| 38 | Sweet Grass County | $665 | $295,500 | 0.491% |
| 39 | Cascade County | $669 | $243,300 | 0.919% |
| 40 | Beaverhead County | $684 | $282,000 | 0.665% |
| 41 | Mineral County | $709 | $313,600 | 0.551% |
| 42 | Sanders County | $725 | $323,800 | 0.549% |
| 43 | Granite County | $767 | $339,500 | 0.607% |
| 44 | Stillwater County | $792 | $355,600 | 0.599% |
| 45 | Yellowstone County | $792 | $317,600 | 0.840% |
| 46 | Broadwater County | $809 | $364,800 | 0.606% |
| 47 | Carbon County | $816 | $379,300 | 0.548% |
| 48 | Lake County | $834 | $369,200 | 0.660% |
| 49 | Lewis and Clark County | $858 | $358,200 | 0.806% |
| 50 | Madison County | $865 | $440,500 | 0.409% |
| 51 | Jefferson County | $866 | $408,000 | 0.557% |
| 52 | Ravalli County | $900 | $435,000 | 0.529% |
| 53 | Park County | $906 | $429,700 | 0.571% |
| 54 | Flathead County | $985 | $467,700 | 0.613% |
| 55 | Missoula County | $1,013 | $423,100 | 0.906% |
| 56 | Gallatin County | $1,210 | $604,900 | 0.599% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Montana