Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$423,372−0.3% YoY · prices are flat
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 10% have cut their price
Income needed to buy, per year$91,778About 1.7× the local median income ($55,573): hard to afford
Days on market128 daysSlower than a year ago: buyers have time to negotiate
The typical home in Lincoln County, MT is worth $423,372, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $338,020, so the area is 25.3% overvalued. It is a balanced market, leaning toward buyers: homes take about 128 days to sell, listings are down 4% from a year ago, 10% of listings have had a price cut. A household needs about $91,778 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 $55,573. In the latest IRS figures, 380 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
$423,372
Change in 1 year
−0.3%
Overvalued %
+25.3%
Show 6 more
Fair home value
$338,020
Change in 5 years
+32.6%
Home value to income
7.6×
Monthly mortgage payment (20% down)
$2,294
Income needed to afford it
$91,778
Property tax rate
0.55%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,173
Market activity
Listings vs a year ago
−3.5%
Days on market
128
Listings with a price cut
10.2%
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Homes for sale
220
Pending sales per 100 listings
18
Asking price per sq ft
$373
People and jobs
Median household income
$55,573
Population change (1 year)
+0.8%
Unemployment rate
5.1%
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Population
22,328
Income adjusted for cost of living
$60,669
Net moves in (IRS)
+380
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
5.3
FEMA hazard risk score (0 to 100)
64.3
Unhealthy air days a year
4
Show 4 more
Flood risk score
65.5
Wildfire risk score
96.6
Walkability (1 to 20)
6.8
Road, rail and air noise
52 dB
Questions people ask
Is Lincoln County, MT overvalued?
Home prices in Lincoln County, MT are well above what local incomes have historically supported: fair value is about $338,020, so the area is 25.3% overvalued.
Is Lincoln County, MT a buyer's or seller's market?
Lincoln County, MT is a balanced market, leaning toward buyers: homes take about 128 days to sell, listings are down 4% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Lincoln County, MT?
Home values in Lincoln County, MT are down 0.3% over the last year.
How much do you need to earn to buy a home in Lincoln County, MT?
A household needs about $91,778 a year to afford the typical home in Lincoln County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $55,573.