Calculate your Montana mortgage payment with state-specific property tax rates (0.84% average), income tax (1% - 5.9%), and 2026 conforming loan limits.
MT average: 0.84%
Montana has no sales tax and moderate property taxes.
Certain counties qualify for $1,209,750.
Montana has a state income tax with rates of 1% - 5.9%.
Your real take-home is in the paycheck calculator.
Local jurisdictions set their own rates.
Montana Board of Housing offers down payment assistance and favorable loan terms for qualifying first-time buyers in Montana.
Income and purchase thresholds apply.
Local jurisdictions set their own rates.
Your real take-home is in the paycheck calculator.
For 2026, the conforming loan limit for a single-family home in Montana is $806,500. This limit marks the boundary between conforming and jumbo loans.
Income and purchase thresholds apply.
Zero down for VA/USDA. 3% for conventional. 3.5% for FHA.