Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$298,632+23.4% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$64,737About 1.2× the local median income ($56,274): a stretch for a typical household
Days on market61 daysFaster than a year ago: sellers have the edge
The typical home in Garfield County, MT is worth $298,632, up 23.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $186,316, so the area is 60.3% overvalued. It is a seller's market: homes take about 61 days to sell, listings are down 0% from a year ago, 0% of listings have had a price cut. A household needs about $64,737 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 $56,274. In the latest IRS figures, 37 more people moved out than in.
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
$298,632
Change in 1 year
+23.4%
Overvalued %
+60.3%
Show 6 more
Fair home value
$186,316
Change in 5 years
+93.1%
Home value to income
5.3×
Monthly mortgage payment (20% down)
$1,618
Income needed to afford it
$64,737
Property tax rate
0.62%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,101
Market activity
Listings vs a year ago
0.0%
Days on market
61
Listings with a price cut
0.0%
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Homes for sale
3
Pending sales per 100 listings
67
Asking price per sq ft
$290
People and jobs
Median household income
$56,274
Population change (1 year)
−2.3%
Unemployment rate
0.0%
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Population
1,148
Income adjusted for cost of living
$61,434
Net moves in (IRS)
−37
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
8.9
FEMA hazard risk score (0 to 100)
2.5
Flood risk score
5.4
Show 3 more
Wildfire risk score
78.3
Walkability (1 to 20)
6.7
Road, rail and air noise
53 dB
Questions people ask
Is Garfield County, MT overvalued?
Home prices in Garfield County, MT are well above what local incomes have historically supported: fair value is about $186,316, so the area is 60.3% overvalued.
Is Garfield County, MT a buyer's or seller's market?
Garfield County, MT is a seller's market: homes take about 61 days to sell, listings are down 0% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Garfield County, MT?
Home values in Garfield County, MT are up 23.4% over the last year.
How much do you need to earn to buy a home in Garfield County, MT?
A household needs about $64,737 a year to afford the typical home in Garfield County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $56,274.