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

Helmville, MT Housing Affordability Index

Helmville, Montana has an MBR Housing Affordability Index score of 265.2 (Highly Affordable) as of October 30, 2026, ranking 4th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $262,500 home with 20% down, the Montana average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,433, or 11% of the city’s $152,969 median household income.

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

Helmville MBR-HAI 265.2 Highly Affordable
Rank in Montana 4 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 $262,500 U.S. Census Bureau

Helmville is 172.4 points above the Montana score. Scores as of October 30, 2026. See the Montana index

View Helmville Mortgage Rates

What It Takes to Buy in Helmville

$1,433/mo
Principal & Interest
Median home, 20% down, 7.26%
$61,400
Income Needed
To keep the payment at 28% of income
$152,969
Median Household Income
Montana: $72,509
1.7x
Price-to-Income Ratio
Montana: 5.2x
$275/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,220/yr
Median Property Tax
Montana figure
29.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Helmville Ranks in Montana

Powered byMonitorBankRates

Cite the Helmville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Helmville, Montana score: 265.2 (Highly Affordable), ranked 4 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/helmville”