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Compare Bozeman, MT mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Bozeman.
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Bozeman, MT Mortgage Rates as of September 30, 2023
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Bozeman, MT Mortgage Rates
September 30, 2023
Current mortgage rates in Bozeman, MT are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Bozeman, MT Rates
National Average
Comparison
30 Year Fixed Rate
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7.190%
15 Year Fixed Rate
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6.540%
5/1 Adjustable Rate Mortgage
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6.750%
How Affordable is Housing in Bozeman, Montana?
Below we provide helpful information on the real estate market, home prices and housing affordability in Bozeman. Understand how much you need to earn to afford a home in Bozeman, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Bozeman fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Bozeman is right for you.
The median home value for Bozeman, MT (Gallatin County) is $667,499
Based on current mortgage rates and a 10% down payment, you need to make $139,251 per year to buy the median priced home in Bozeman
With this income, you could qualify for a $600,749 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Bozeman is $3,225
The median household income for Bozeman, MT (Gallatin County) is $81,942
Based on this income, you can afford a home valued at approximately $392,789
The home price you can afford to buy based on household income in Bozeman is 59% of the median home value which means housing prices are very expensive.
Bozeman (Gallatin County) ranks 56 out of 56 counties in Montana and 3,112 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Bozeman, MT is very expensive
Loan Limits for Bozeman, Montana
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Bozeman (Gallatin County) below.
Conforming loan limits for Bozeman, MT
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Bozeman, MT
1 unit:$703,800
2 units:$901,000
3 units:$1,089,100
4 units:$1,353,500
VA loan limits for Bozeman, MT
1 unit:$726,200
Additional Mortgage Resources for Bozeman, MT Residents