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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

Lonepine, MT Housing Affordability Index

Lonepine, Montana has an MBR Housing Affordability Index score of 68.6 (Significantly Less Affordable) as of October 30, 2026, ranking 213th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $375,000 home with 20% down, the Montana average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $2,048, or 78% of the city’s $31,667 median household income.

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

Lonepine MBR-HAI 68.6 Significantly Less Affordable
Rank in Montana 213 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 $375,000 U.S. Census Bureau

Lonepine is 24.1 points below the Montana score. Scores as of October 30, 2026. See the Montana index

View Lonepine Mortgage Rates

What It Takes to Buy in Lonepine

$2,048/mo
Principal & Interest
Median home, 20% down, 7.26%
$87,800
Income Needed
To keep the payment at 28% of income
$31,667
Median Household Income
Montana: $72,509
11.8x
Price-to-Income Ratio
Montana: 5.2x
$575/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,220/yr
Median Property Tax
Montana figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
36.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Lonepine Ranks in Montana

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Cite the Lonepine Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lonepine, Montana score: 68.6 (Significantly Less Affordable), ranked 213 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/lonepine”