The median home in Helena, Montana is valued at $459,029, up 2.7% year over year. Typical monthly rent is $1,490, producing a price-to-rent ratio of 25.7x — well above the national average of 18x. Helena is part of the Helena, MT metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$459,029

+2.7%

Rent$1,490/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$91,806 on $459,029

Example: $75,000 household income. Change it above to see your own.

Out of reach44.7% of income

Need $119,657/yr to afford.

PITI$2,792

P/I44.7%

Afford$288K

Gap-$171K

P&I $2,321Tax $321Ins $150

Renting $1,302/mo cheaper ($1,490 rent)6.50% 30yr, 20% down, county tax + MT ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Montana

Compare Helena with other housing markets across Montana.

Big Sky$1.78M Rollins$1.16M Gallatin Gateway$1.02M Pray$982K Whitefish$835K Cameron$831K Big Arm$827K Lakeside$824K

Full Helena, MT analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Helena, MT metro.

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