Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$286,274+3.1% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$62,058About 0.9× the local median income ($65,459): affordable for a typical household
Days on market70 daysAbout the same pace as a year ago
The typical home in Silver Bow County, MT is worth $286,274, up 3.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $234,935, so the area is 21.9% overvalued. It is a balanced market: homes take about 70 days to sell, listings are up 2% from a year ago, 20% of listings have had a price cut. A household needs about $62,058 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 $65,459. Typical rent is $1,443 a month. In the latest IRS figures, 159 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
$286,274
Change in 1 year
+3.1%
Overvalued %
+21.9%
Show 6 more
Fair home value
$234,935
Change in 5 years
+36.7%
Home value to income
4.4×
Monthly mortgage payment (20% down)
$1,551
Income needed to afford it
$62,058
Property tax rate
0.98%
Rent and investing
Typical rent
$1,443
Price-to-rent ratio
16.5×
HUD Fair Market Rent, 2 bedrooms
$1,417
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Gross rental yield
6.05%
Cap rate (estimate)
3.93%
Market activity
Listings vs a year ago
+2.5%
Days on market
70
Listings with a price cut
19.8%
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Homes for sale
165
Pending sales per 100 listings
27
Asking price per sq ft
$198
People and jobs
Median household income
$65,459
Population change (1 year)
+0.1%
Unemployment rate
4.1%
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Population
36,118
Income adjusted for cost of living
$71,462
Net moves in (IRS)
+159
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
38.0
Unhealthy air days a year
0
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Flood risk score
21.7
Wildfire risk score
80.7
Walkability (1 to 20)
13.3
Road, rail and air noise
52 dB
Questions people ask
Is Silver Bow County, MT overvalued?
Home prices in Silver Bow County, MT are well above what local incomes have historically supported: fair value is about $234,935, so the area is 21.9% overvalued.
Is Silver Bow County, MT a buyer's or seller's market?
Silver Bow County, MT is a balanced market: homes take about 70 days to sell, listings are up 2% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Silver Bow County, MT?
Home values in Silver Bow County, MT are up 3.1% over the last year.
How much do you need to earn to buy a home in Silver Bow County, MT?
A household needs about $62,058 a year to afford the typical home in Silver Bow County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,459.