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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

Dayton, MT Housing Affordability Index

Dayton, Montana has an MBR Housing Affordability Index score of 73.8 (Moderately Less Affordable) as of October 30, 2026, ranking 208th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $1,250,000 home with 20% down, a jumbo loan at 7.51% means a monthly principal and interest payment of about $6,996, or 84% of the city’s $100,313 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Dayton 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.

Dayton MBR-HAI 73.8 Moderately Less Affordable
Rank in Montana 208 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 $1,250,000 U.S. Census Bureau

Dayton is 18.9 points below the Montana score. Scores as of October 30, 2026. See the Montana index

View Dayton Mortgage Rates

What It Takes to Buy in Dayton

$6,996/mo
Principal & Interest
Median home, 20% down, 7.51% jumbo
$299,800
Income Needed
To keep the payment at 28% of income
$100,313
Median Household Income
Montana: $72,509
12.5x
Price-to-Income Ratio
Montana: 5.2x
$1,042/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,333/yr
Median Property Tax
0.35% of median value
58.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
23.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Dayton, 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 Dayton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Dayton, Montana score: 73.8 (Moderately Less Affordable), ranked 208 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/dayton”