MonitorBankRates
☰
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

Fort Shaw, MT Housing Affordability Index

Fort Shaw, Montana has an MBR Housing Affordability Index score of 115.6 (More Affordable Than Average) as of October 30, 2026, ranking 112th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $184,500 home with 20% down, the Montana average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,007, or 21% of the city’s $56,413 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Shaw 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.

Fort Shaw MBR-HAI 115.6 More Affordable Than Average
Rank in Montana 112 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 $184,500 U.S. Census Bureau

Fort Shaw is 22.9 points above the Montana score. Scores as of October 30, 2026. See the Montana index

View Fort Shaw Mortgage Rates

What It Takes to Buy in Fort Shaw

$1,007/mo
Principal & Interest
Median home, 20% down, 7.26%
$43,200
Income Needed
To keep the payment at 28% of income
$56,413
Median Household Income
Montana: $72,509
3.3x
Price-to-Income Ratio
Montana: 5.2x
$1,267/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,185/yr
Median Property Tax
0.64% of median value
29.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Fort Shaw, Montana. The rate is the Montana average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Fort Shaw Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Shaw, Montana score: 115.6 (More Affordable Than Average), ranked 112 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/fort-shaw”