The median home in Shepherd, Montana is valued at $454,875, up 2.5% year over year. Shepherd is part of the Billings, MT metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$454,875

+2.5%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$90,975 on $454,875

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

Out of reach44.3% of income

Need $118,671/yr to afford.

PITI$2,769

P/I44.3%

Afford$287K

Gap-$167K

P&I $2,300Tax $318Ins $150

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 Shepherd 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 Billings, MT analysis

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

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Shepherd, MT