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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

Gardiner, MT Housing Affordability Index

Gardiner, Montana has an MBR Housing Affordability Index score of 74.1 (Moderately Less Affordable) as of October 30, 2026, ranking 206th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $633,400 home with 20% down, the Montana average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $3,458, or 68% of the city’s $60,598 median household income.

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

Gardiner MBR-HAI 74.1 Moderately Less Affordable
Rank in Montana 206 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 $633,400 U.S. Census Bureau

Gardiner is 18.7 points below the Montana score. Scores as of October 30, 2026. See the Montana index

View Gardiner Mortgage Rates

What It Takes to Buy in Gardiner

$3,458/mo
Principal & Interest
Median home, 20% down, 7.26%
$148,200
Income Needed
To keep the payment at 28% of income
$60,598
Median Household Income
Montana: $72,509
10.5x
Price-to-Income Ratio
Montana: 5.2x
$1,005/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,244/yr
Median Property Tax
0.35% of median value
29.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Gardiner Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gardiner, Montana score: 74.1 (Moderately Less Affordable), ranked 206 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/gardiner”