Local costs · Montana
What a home costs across Montana
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Montana, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,639 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Montana charges no state transfer or recording tax on a home purchase.
- Title insurance
- Montana uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Montana income tax is modeled at about 3.19% effective for a married household at $100,000 (4.29% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 56 counties in Montana
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Beaverhead County | 0.67% | $850–$1,900typical $1,310 |
| Big Horn County | 1.10% | $1,660–$3,710typical $2,560 |
| Blaine County | 1.34% | $800–$1,780typical $1,230 |
| Broadwater County | 0.56% | $800–$1,780typical $1,230 |
| Carbon County | 0.54% | $1,590–$3,540typical $2,440 |
| Carter County | 0.45% | $1,530–$3,420typical $2,360 |
| Cascade County | 0.87% | $800–$1,780typical $1,230 |
| Chouteau County | 0.75% | $800–$1,780typical $1,230 |
| Custer County | 1.03% | $1,060–$2,360typical $1,630 |
| Daniels County | 0.87% | $800–$1,780typical $1,230 |
| Dawson County | 1.14% | $950–$2,120typical $1,460 |
| Deer Lodge County | 0.78% | $800–$1,780typical $1,230 |
| Fallon County | 0.50% | $990–$2,200typical $1,520 |
| Fergus County | 0.75% | $830–$1,840typical $1,270 |
| Flathead County | 0.58% | $980–$2,180typical $1,500 |
| Gallatin County | 0.59% | $840–$1,870typical $1,290 |
| Garfield County | 0.62% | $1,470–$3,280typical $2,260 |
| Glacier County | 0.84% | $800–$1,780typical $1,230 |
| Golden Valley County | 0.53% | $960–$2,150typical $1,480 |
| Granite County | 0.60% | $1,800–$4,020typical $2,770 |
| Hill County | 0.98% | $800–$1,780typical $1,230 |
| Jefferson County | 0.55% | $1,390–$3,100typical $2,140 |
| Judith Basin County | 0.45% | $800–$1,780typical $1,230 |
| Lake County | 0.61% | $1,040–$2,320typical $1,600 |
| Lewis and Clark County | 0.79% | $880–$1,970typical $1,360 |
| Liberty County | 0.93% | $800–$1,780typical $1,230 |
| Lincoln County | 0.55% | $1,830–$4,070typical $2,810 |
| Madison County | 0.41% | $1,150–$2,570typical $1,770 |
| McCone County | 0.68% | $960–$2,150typical $1,480 |
| Meagher County | 0.66% | $940–$2,100typical $1,450 |
| Mineral County | 0.48% | $1,530–$3,420typical $2,360 |
| Missoula County | 0.88% | $1,120–$2,490typical $1,720 |
| Musselshell County | 0.55% | $1,920–$4,290typical $2,960 |
| Park County | 0.56% | $1,530–$3,410typical $2,350 |
| Petroleum County | 0.60% | $1,520–$3,390typical $2,340 |
| Phillips County | 0.78% | $800–$1,780typical $1,230 |
| Pondera County | 0.80% | $800–$1,780typical $1,230 |
| Powder River County | 0.68% | $2,310–$5,150typical $3,550 |
| Powell County | 0.69% | $1,220–$2,730typical $1,880 |
| Prairie County | 0.84% | $910–$2,030typical $1,400 |
| Ravalli County | 0.50% | $3,040–$6,770typical $4,670 |
| Richland County | 0.73% | $900–$2,000typical $1,380 |
| Roosevelt County | 1.28% | $950–$2,120typical $1,460 |
| Rosebud County | 0.70% | $1,890–$4,220typical $2,910 |
| Sanders County | 0.53% | $1,160–$2,580typical $1,780 |
| Sheridan County | 1.23% | $800–$1,780typical $1,230 |
| Silver Bow County | 0.98% | $800–$1,780typical $1,230 |
| Stillwater County | 0.57% | $1,420–$3,160typical $2,180 |
| Sweet Grass County | 0.49% | $1,790–$4,000typical $2,760 |
| Teton County | 0.75% | $800–$1,780typical $1,230 |
| Toole County | 0.87% | $800–$1,780typical $1,230 |
| Treasure County | 0.59% | $1,420–$3,180typical $2,190 |
| Valley County | 1.18% | $940–$2,090typical $1,440 |
| Wheatland County | 0.56% | $800–$1,780typical $1,230 |
| Wibaux County | 0.61% | $1,120–$2,510typical $1,730 |
| Yellowstone County | 0.81% | $800–$1,780typical $1,230 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.