Income needed to buy a home
Hill County, MT
$78,282
a year in household income to buy the typical Hill County home with 10% down.
The monthly math
Typical home value$232,373
Down payment (10%)$23,237
Loan$209,136
Principal and interest (7.40%)$1,448/mo
Property tax (0.91% a year)$175/mo
Homeowners insurance (estimate)$116/mo
Mortgage insurance$87/mo
Total monthly cost$1,827/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $52,798 a year, 67% of what it takes.
In Montana
Hill County ranks #21 of 56 for the income a home takes, from least to most.
Easiest to afford in Montana
| County | Typical home | Income needed |
|---|---|---|
| Prairie County | $133,878 | $43,122 |
| Roosevelt County | $151,704 | $49,849 |
| Glacier County | $166,389 | $53,581 |
| Carter County | $173,474 | $54,097 |
| Daniels County | $170,973 | $58,434 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.