Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$294,344+3.4% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$63,808About 1.0× the local median income ($63,310): a stretch for a typical household
Days on market67 daysFaster than a year ago: sellers have the edge
The typical home in Deer Lodge County, MT is worth $294,344, up 3.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $236,216, so the area is 24.6% overvalued. It is a balanced market, leaning toward buyers: homes take about 67 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut. A household needs about $63,808 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,310. In the latest IRS figures, 104 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$294,344
Change in 1 year
+3.4%
Overvalued %
+24.6%
Show 6 more
Fair home value
$236,216
Change in 5 years
+47.7%
Home value to income
4.6×
Monthly mortgage payment (20% down)
$1,595
Income needed to afford it
$63,808
Property tax rate
0.78%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,082
Market activity
Listings vs a year ago
+11.1%
Days on market
67
Listings with a price cut
14.8%
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Homes for sale
50
Pending sales per 100 listings
36
Asking price per sq ft
$259
People and jobs
Median household income
$63,310
Population change (1 year)
−0.6%
Unemployment rate
3.4%
Show 4 more
Population
9,709
Income adjusted for cost of living
$69,116
Net moves in (IRS)
+104
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
2.8
FEMA hazard risk score (0 to 100)
17.6
Flood risk score
10.5
Show 3 more
Wildfire risk score
73.6
Walkability (1 to 20)
6.8
Road, rail and air noise
52 dB
Questions people ask
Is Deer Lodge County, MT overvalued?
Home prices in Deer Lodge County, MT are well above what local incomes have historically supported: fair value is about $236,216, so the area is 24.6% overvalued.
Is Deer Lodge County, MT a buyer's or seller's market?
Deer Lodge County, MT is a balanced market, leaning toward buyers: homes take about 67 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Deer Lodge County, MT?
Home values in Deer Lodge County, MT are up 3.4% over the last year.
How much do you need to earn to buy a home in Deer Lodge County, MT?
A household needs about $63,808 a year to afford the typical home in Deer Lodge County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,310.