Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$262,193+9.1% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$56,838About 0.9× the local median income ($63,135): affordable for a typical household
Days on market91 daysFaster than a year ago: sellers have the edge
The typical home in Pondera County, MT is worth $262,193, up 9.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $224,856, so the area is 16.6% overvalued. It is a balanced market: homes take about 91 days to sell, listings are up 4% from a year ago, 11% of listings have had a price cut. A household needs about $56,838 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 $63,135. In the latest IRS figures, 26 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
$262,193
Change in 1 year
+9.1%
Overvalued %
+16.6%
Show 6 more
Fair home value
$224,856
Change in 5 years
+45.1%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$1,421
Income needed to afford it
$56,838
Property tax rate
0.80%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,257
Market activity
Listings vs a year ago
+4.2%
Days on market
91
Listings with a price cut
11.1%
Show 3 more
Homes for sale
25
Pending sales per 100 listings
8
Asking price per sq ft
$147
People and jobs
Median household income
$63,135
Population change (1 year)
+0.1%
Unemployment rate
5.8%
Show 4 more
Population
6,072
Income adjusted for cost of living
$68,925
Net moves in (IRS)
+26
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
24.6
Flood risk score
29.3
Show 3 more
Wildfire risk score
70.3
Walkability (1 to 20)
6.5
Road, rail and air noise
54 dB
Questions people ask
Is Pondera County, MT overvalued?
Home prices in Pondera County, MT are well above what local incomes have historically supported: fair value is about $224,856, so the area is 16.6% overvalued.
Is Pondera County, MT a buyer's or seller's market?
Pondera County, MT is a balanced market: homes take about 91 days to sell, listings are up 4% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Pondera County, MT?
Home values in Pondera County, MT are up 9.1% over the last year.
How much do you need to earn to buy a home in Pondera County, MT?
A household needs about $56,838 a year to afford the typical home in Pondera County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,135.