Montana Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Montana. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.05%
Avg APR
15yr Fixed
6.45%
Avg APR
Median Price
$435,000
Median home
Monthly P&I
$2,320
30yr at 80% LTV
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Top Mortgage Lenders in Montana
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Montana
- ✓MBOH Bond Advantage Program
- ✓MBOH 80% Program
- ✓NeighborWorks Montana
Mortgage Requirements in Montana
- •Min 640 credit score for MBOH programs
- •Income limits apply
- •Purchase price limits vary by area
Montana Housing Market Facts
Montana has seen rapid price increases driven by out-of-state buyers.
No sales tax helps offset closing costs.
Rural areas qualify for USDA zero-down financing.
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