Compare Current Flathead, Montana Mortgage Rates

Compare Flathead, 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 Flathead.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Flathead. Plus, shopping lenders is free and there is no obligation.

Flathead, MT Mortgage Rates as of February 6, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Flathead, MT Mortgage Rates

February 6, 2023

Current mortgage rates in Flathead, 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
Flathead, MT Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Flathead, Montana?

Below we provide helpful information on the real estate market, home prices and housing affordability in Flathead. Understand how much you need to earn to afford a home in Flathead, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Flathead 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 Flathead is right for you.

The median home value for Flathead, MT is $406,113

Based on current mortgage rates and a 10% down payment, you need to make $66,540 per year to buy the median priced home in Flathead

With this income, you could qualify for a $365,501 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 Flathead is $1,541

The median household income for Flathead, MT is $67,650

Based on this income, you can afford a home valued at approximately $412,885

The home price you can afford to buy based on household income in Flathead is 102% of the median home value which means housing prices are average. Flathead ranks 46 out of 56 counties in Montana and 3,009 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Flathead, MT is average


Loan Limits for Flathead, Montana

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Flathead below.

Conforming loan limits for Flathead, MT

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Flathead, MT

1 unit: $441,600
2 units: $565,300
3 units: $683,350
4 units: $849,250

VA loan limits for Flathead, MT

1 unit: $647,200

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