Montana mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Yellowstone County | 1,945 | 6.25% | $8,278 | 6.183% |
| Gallatin County | 1,132 | 6.5% | $8,538 | 6.125% |
| Flathead County | 944 | 6.5% | $8,398 | 6.125% |
| Missoula County | 931 | 6.527% | $6,472 | 6.125% |
| Cascade County | 837 | 6.125% | $7,951 | 6% |
| Lewis and Clark County | 766 | 6.5% | $8,214 | 6.125% |
| Ravalli County | 367 | 6.5% | $6,722 | 6.125% |
| Silver Bow County | 337 | 6.499% | $7,829 | 6.25% |
| Lincoln County | 170 | 6.5% | $6,561 | 6.25% |
| Lake County | 158 | 6.495% | $6,985 | 6.24% |
| Jefferson County | 126 | 6.375% | $8,329 | 6.375% |
| Park County | 122 | 6.475% | $8,157 | 6.375% |
| Broadwater County | 121 | 6.499% | $8,572 | 6.125% |
| Hill County | 120 | 6.375% | $5,168 | 6.25% |
| Custer County | 104 | 6.5% | $5,468 | 6.375% |
| Stillwater County | 99 | 6.375% | $7,053 | 6.24% |
| Carbon County | 95 | 6.375% | $7,486 | 5.975% |
| Richland County | 85 | 6.5% | $6,176 | 6.433% |
| Madison County | 82 | 6.625% | $6,782 | 6.25% |
| Deer Lodge County | 77 | 6.5% | $6,813 | 6.375% |
| Beaverhead County | 77 | 6.25% | $7,848 | 6.312% |
| Sanders County | 73 | 6.5% | $5,947 | 6.125% |
| Fergus County | 69 | 6.25% | $6,823 | 6.188% |
| Dawson County | 62 | 6.5% | $5,657 | 5.995% |
| Teton County | 61 | 6.25% | $6,447 | 6.24% |
| Mineral County | 53 | 6.375% | $8,477 | 6.312% |
| Valley County | 43 | 6.25% | $6,837 | 6.125% |
| Pondera County | 36 | 6.24% | $6,414 | 5.978% |
| Powell County | 32 | 6.562% | $7,070 | 5.989% |
| Toole County | 32 | 6.375% | $5,213 | 6.75% |
| Musselshell County | 31 | 6.5% | $6,817 | 6.49% |
| Rosebud County | 29 | 6.5% | $6,627 | 6.25% |
| Glacier County | 29 | 6.062% | $5,935 | 5.99% |
| Roosevelt County | 28 | 6.438% | $5,056 | 6.745% |
| Chouteau County | 27 | 6.5% | $6,461 | 6% |
| Big Horn County | 27 | 6.5% | $5,675 | 6.25% |
| Phillips County | 25 | 6.438% | $4,358 | 6.308% |
| Granite County | 22 | 6.625% | $6,493 | 6.125% |
| Sheridan County | 18 | 6.625% | $5,756 | 6.562% |
| Blaine County | 17 | 6.25% | $4,279 | 6.058% |
| Sweet Grass County | 15 | 6.625% | $7,398 | 6.499% |
| Fallon County | 14 | 6.49% | $8,208 | 6.125% |
| Liberty County | 13 | 6.375% | $5,845 | n/a |
| Wheatland County | 9 | 6.125% | $5,191 | 6.312% |
| Meagher County | 9 | 6.625% | $6,635 | 6.125% |
| Powder River County | 8 | 6.125% | $5,871 | n/a |
| Judith Basin County | 8 | 6.5% | $5,397 | 6.688% |
| McCone County | 7 | 6.374% | $4,831 | 6.375% |
| Golden Valley County | 7 | 6.37% | $4,190 | n/a |
| Prairie County | 6 | 6.99% | $5,501 | n/a |
| Daniels County | 5 | 6.188% | $3,269 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.