Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$487,371+10.8% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$105,652About 1.2× the local median income ($85,796): a stretch for a typical household
Days on market66 daysAbout the same pace as a year ago
Next 12 months+2.6%Zillow expects prices to rise slightly
The typical home in Stillwater County, MT is worth $487,371, up 10.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $369,882, so the area is 31.8% overvalued. It is a buyer's market: homes take about 66 days to sell, listings are up 24% from a year ago, 22% of listings have had a price cut. Zillow expects prices to rise about 2.6% over the next year. A household needs about $105,652 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 $85,796. 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
$487,371
Change in 1 year
+10.8%
Overvalued %
+31.8%
Show 7 more
Fair home value
$369,882
Change in 5 years
+37.2%
Zillow forecast, next 12 months
+2.6%
Home value to income
5.7×
Monthly mortgage payment (20% down)
$2,641
Income needed to afford it
$105,652
Property tax rate
0.57%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,271
Market activity
Listings vs a year ago
+23.8%
Days on market
66
Listings with a price cut
22.2%
Show 3 more
Homes for sale
52
Pending sales per 100 listings
19
Asking price per sq ft
$294
People and jobs
Median household income
$85,796
Population change (1 year)
+0.2%
Unemployment rate
3.1%
Show 4 more
Population
9,445
Income adjusted for cost of living
$91,760
Net moves in (IRS)
+26
Cost of living (US = 100)
93.5
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
16.8
Flood risk score
36.2
Show 3 more
Wildfire risk score
87.1
Walkability (1 to 20)
5.9
Road, rail and air noise
53 dB
Questions people ask
Is Stillwater County, MT overvalued?
Home prices in Stillwater County, MT are well above what local incomes have historically supported: fair value is about $369,882, so the area is 31.8% overvalued.
Is Stillwater County, MT a buyer's or seller's market?
Stillwater County, MT is a buyer's market: homes take about 66 days to sell, listings are up 24% from a year ago, 22% of listings have had a price cut.
Are home prices going down in Stillwater County, MT?
Home values in Stillwater County, MT are up 10.8% over the last year. Zillow's forecast for the next 12 months is +2.6%.
How much do you need to earn to buy a home in Stillwater County, MT?
A household needs about $105,652 a year to afford the typical home in Stillwater County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $85,796.