Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$193,649+11.6% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$41,979About 0.6× the local median income ($70,009): affordable for a typical household
Days on market92 daysSlower than a year ago: buyers have time to negotiate
The typical home in Valley County, MT is worth $193,649, up 11.6% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $183,771, so the area is 5.4% overvalued. It is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are down 5% from a year ago, 0% of listings have had a price cut. A household needs about $41,979 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 $70,009. In the latest IRS figures, 50 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
$193,649
Change in 1 year
+11.6%
Overvalued %
+5.4%
Show 6 more
Fair home value
$183,771
Change in 5 years
+21.2%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$1,049
Income needed to afford it
$41,979
Property tax rate
1.18%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,202
Market activity
Listings vs a year ago
−5.0%
Days on market
92
Listings with a price cut
0.0%
Show 3 more
Homes for sale
19
Pending sales per 100 listings
16
Asking price per sq ft
$159
People and jobs
Median household income
$70,009
Population change (1 year)
0.0%
Unemployment rate
3.0%
Show 4 more
Population
7,385
Income adjusted for cost of living
$76,429
Net moves in (IRS)
−50
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
4.5
FEMA hazard risk score (0 to 100)
35.9
Flood risk score
34.2
Show 3 more
Wildfire risk score
49.5
Walkability (1 to 20)
7.3
Road, rail and air noise
52 dB
Questions people ask
Is Valley County, MT overvalued?
Home prices in Valley County, MT are slightly above what local incomes have historically supported: fair value is about $183,771, so the area is 5.4% overvalued.
Is Valley County, MT a buyer's or seller's market?
Valley County, MT is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are down 5% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Valley County, MT?
Home values in Valley County, MT are up 11.6% over the last year.
How much do you need to earn to buy a home in Valley County, MT?
A household needs about $41,979 a year to afford the typical home in Valley County, MT at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,009.