Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Montana
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Montana ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Blaine County | 42.9% | $501 | $1,168 |
| 2 | Sheridan County | 42.9% | $447 | $1,043 |
| 3 | Wibaux County | 42.1% | $359 | $852 |
| 4 | Roosevelt County | 42.1% | $464 | $1,102 |
| 5 | Liberty County | 41.0% | $434 | $1,057 |
| 6 | Big Horn County | 38.4% | $494 | $1,285 |
| 7 | Dawson County | 37.5% | $600 | $1,600 |
| 8 | Powder River County | 37.3% | $475 | $1,272 |
| 9 | Glacier County | 37.0% | $480 | $1,299 |
| 10 | Hill County | 36.9% | $585 | $1,587 |
| 11 | Valley County | 36.6% | $612 | $1,672 |
| 12 | Prairie County | 36.4% | $512 | $1,404 |
| 13 | Custer County | 36.4% | $623 | $1,713 |
| 14 | Toole County | 36.2% | $567 | $1,567 |
| 15 | Pondera County | 36.0% | $539 | $1,495 |
| 16 | Phillips County | 36.0% | $525 | $1,460 |
| 17 | Daniels County | 36.0% | $533 | $1,482 |
| 18 | Silver Bow County | 35.5% | $655 | $1,849 |
| 19 | Petroleum County | 35.3% | $505 | $1,433 |
| 20 | Chouteau County | 35.1% | $534 | $1,522 |
| 21 | Wheatland County | 34.8% | $493 | $1,415 |
| 22 | Fergus County | 34.8% | $577 | $1,659 |
| 23 | Garfield County | 34.6% | $503 | $1,455 |
| 24 | Deer Lodge County | 34.3% | $585 | $1,704 |
| 25 | Cascade County | 34.0% | $669 | $1,967 |
| 26 | Rosebud County | 33.9% | $517 | $1,526 |
| 27 | McCone County | 33.8% | $539 | $1,593 |
| 28 | Teton County | 33.5% | $634 | $1,891 |
| 29 | Carter County | 33.2% | $469 | $1,412 |
| 30 | Treasure County | 32.8% | $560 | $1,709 |
| 31 | Musselshell County | 32.6% | $571 | $1,752 |
| 32 | Golden Valley County | 32.4% | $522 | $1,611 |
| 33 | Meagher County | 32.4% | $626 | $1,930 |
| 34 | Richland County | 32.4% | $662 | $2,045 |
| 35 | Powell County | 32.2% | $647 | $2,013 |
| 36 | Yellowstone County | 31.8% | $792 | $2,488 |
| 37 | Fallon County | 31.7% | $588 | $1,853 |
| 38 | Judith Basin County | 31.6% | $529 | $1,672 |
| 39 | Beaverhead County | 31.2% | $684 | $2,190 |
| 40 | Lincoln County | 31.2% | $625 | $2,006 |
| 41 | Lewis and Clark County | 31.0% | $858 | $2,770 |
| 42 | Missoula County | 31.0% | $1,013 | $3,272 |
| 43 | Mineral County | 29.7% | $709 | $2,383 |
| 44 | Granite County | 29.7% | $767 | $2,580 |
| 45 | Lake County | 29.7% | $834 | $2,804 |
| 46 | Sweet Grass County | 29.6% | $665 | $2,242 |
| 47 | Sanders County | 29.6% | $725 | $2,454 |
| 48 | Stillwater County | 29.4% | $792 | $2,690 |
| 49 | Broadwater County | 29.4% | $809 | $2,757 |
| 50 | Carbon County | 28.7% | $816 | $2,840 |
| 51 | Jefferson County | 28.4% | $866 | $3,044 |
| 52 | Park County | 28.3% | $906 | $3,200 |
| 53 | Flathead County | 28.3% | $985 | $3,482 |
| 54 | Ravalli County | 27.9% | $900 | $3,222 |
| 55 | Gallatin County | 27.3% | $1,210 | $4,439 |
| 56 | Madison County | 26.9% | $865 | $3,216 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Montana