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Montana Housing Affordability Index | MBR-HAI

Montana Housing Affordability Index

Daily affordability score for Montana compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
Montana
103.0
Near National Average
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #33 of 51 states
vs. National Average +2.4 points
30-yr Rate Used 6.357%
Median Home Value $375,800
Median Household Income $72,509

Montana Affordability Ranking

#33 of 51 states — April 10, 2026 Less affordable than average
Most Affordable Least Affordable
More affordable than: 18 of 51 states (35%)
Less affordable than: 32 of 51 states (63%)
MBR-HAI Score: 103.0 vs. national 100.6 (+2.4 points)
Nearby States
↑ 30 more affordable states above
#31 AZ 104.7
#32 MN 104.3
#33 Montana ◀ 103.0
#34 VA 102.8
#35 ME 100.2
↓ 16 less affordable states below
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA 87.2
#51 CA 81.5

View full 51-state rankings →

Montana MBR-HAI — 90-Day Trend

Montana
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Montana

$375,800
Median Home Value
U.S. median: varies by state
$72,509
Median Household Income
U.S. median: $80,734
5.2x
Price-to-Income Ratio
Home value ÷ income
$1,135/mo
Median Owner Costs
18.8% of income annually
$2,220/yr
Median Property Tax
0.59% effective rate
71.5%
Homeownership Rate
U.S. average: 65.7%
29.5%
Owner Cost Burden
% spending 30%+ of income on housing
6.357%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Montana Ranks Among All States

#33
of 51 states
Least Affordable Most Affordable
Montana is more affordable than 36% of U.S. states — Near National Average
103.0
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 29 states →
30 Texas 105.6 Near National Average
31 Arizona 104.7 Near National Average
32 Minnesota 104.3 Near National Average
33 Montana You are here 103.0 Near National Average
34 Virginia 102.8 Near National Average
35 Maine 100.2 Near National Average
36 Florida 99.9 Near National Average
▼ See all 51 state rankings →

Showing states ranked near Montana — April 10, 2026 • View complete national rankings →

Download Montana HAI Data

Montana History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-10,MT,103.0,100.6,6.357
Download MT History (CSV)
All 51 States (CSV)
Compare Montana to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how Montana ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Montana Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Montana.