Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$286,543+5.2% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 6% have cut their price
Income needed to buy, per year$62,117About 1.0× the local median income ($63,752): affordable for a typical household
Days on market85 daysAbout the same pace as a year ago
The typical home in Fergus County, MT is worth $286,543, up 5.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $237,861, so the area is 20.5% overvalued. It is a balanced market, leaning toward sellers: homes take about 85 days to sell, listings are down 8% from a year ago, 6% of listings have had a price cut. A household needs about $62,117 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 $63,752. In the latest IRS figures, 35 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
$286,543
Change in 1 year
+5.2%
Overvalued %
+20.5%
Show 6 more
Fair home value
$237,861
Change in 5 years
+41.2%
Home value to income
4.5×
Monthly mortgage payment (20% down)
$1,553
Income needed to afford it
$62,117
Property tax rate
0.75%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,450
Market activity
Listings vs a year ago
−8.5%
Days on market
85
Listings with a price cut
6.5%
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Homes for sale
54
Pending sales per 100 listings
2
Asking price per sq ft
$196
People and jobs
Median household income
$63,752
Population change (1 year)
−0.0%
Unemployment rate
4.2%
Show 4 more
Population
11,825
Income adjusted for cost of living
$69,598
Net moves in (IRS)
+35
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
6.5
FEMA hazard risk score (0 to 100)
45.1
Unhealthy air days a year
1
Show 4 more
Flood risk score
36.5
Wildfire risk score
80.4
Walkability (1 to 20)
7.5
Road, rail and air noise
53 dB
Questions people ask
Is Fergus County, MT overvalued?
Home prices in Fergus County, MT are well above what local incomes have historically supported: fair value is about $237,861, so the area is 20.5% overvalued.
Is Fergus County, MT a buyer's or seller's market?
Fergus County, MT is a balanced market, leaning toward sellers: homes take about 85 days to sell, listings are down 8% from a year ago, 6% of listings have had a price cut.
Are home prices going down in Fergus County, MT?
Home values in Fergus County, MT are up 5.2% over the last year.
How much do you need to earn to buy a home in Fergus County, MT?
A household needs about $62,117 a year to afford the typical home in Fergus County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,752.