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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Big Sky, MT Housing Affordability Index

Big Sky, Montana has an MBR Housing Affordability Index score of 105.7 (Near National Average) as of October 30, 2026, ranking 134th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $1,137,900 home with 20% down, a jumbo loan at 7.51% means a monthly principal and interest payment of about $6,368, or 55% of the city’s $138,805 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Big Sky is updated every night from live Montana mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Big Sky MBR-HAI 105.7 Near National Average
Rank in Montana 134 of 217 1 = most affordable
Montana 92.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Montana lenders
Median home value $1,137,900 U.S. Census Bureau

Big Sky is 12.9 points above the Montana score. Scores as of October 30, 2026. See the Montana index

View Big Sky Mortgage Rates

What It Takes to Buy in Big Sky

$6,368/mo
Principal & Interest
Median home, 20% down, 7.51% jumbo
$272,900
Income Needed
To keep the payment at 28% of income
$138,805
Median Household Income
Montana: $72,509
8.2x
Price-to-Income Ratio
Montana: 5.2x
$1,520/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,435/yr
Median Property Tax
0.30% of median value
29.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
7.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Big Sky, Montana. The rate is the Montana average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Big Sky Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Big Sky, Montana score: 105.7 (Near National Average), ranked 134 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/big-sky”