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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

Ryegate, MT Housing Affordability Index

Ryegate, Montana has an MBR Housing Affordability Index score of 137.5 (Highly Affordable) as of October 30, 2026, ranking 74th most affordable of 217 scored Montana cities, compared with 92.8 statewide and 97.4 nationally. On a median-priced $147,500 home with 20% down, the Montana average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $805, or 21% of the city’s $46,786 median household income.

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

Ryegate MBR-HAI 137.5 Highly Affordable
Rank in Montana 74 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 $147,500 U.S. Census Bureau

Ryegate is 44.7 points above the Montana score. Scores as of October 30, 2026. See the Montana index

View Ryegate Mortgage Rates

What It Takes to Buy in Ryegate

$805/mo
Principal & Interest
Median home, 20% down, 7.26%
$34,500
Income Needed
To keep the payment at 28% of income
$46,786
Median Household Income
Montana: $72,509
3.2x
Price-to-Income Ratio
Montana: 5.2x
$707/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,068/yr
Median Property Tax
0.72% of median value
36.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
14.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Ryegate Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ryegate, Montana score: 137.5 (Highly Affordable), ranked 74 of 217 Montana cities. monitorbankrates.com/housing-affordability-index/montana/ryegate”