The typical home in Kalispell, MT is worth about $520,000.
With 20% down that's a loan near $416,000 — the calculator
is pre-filled with that figure. Kalispell is the main gateway to Glacier National Park, and second-home and short-term-rental demand from out-of-state buyers has pushed prices well above what the local Flathead Valley job market alone would support.
$2,700.93 / month
Total interest
$556,339
Total paid
$972,339
Payoff
30.0 years
How much you need to earn
Kalispell, MT's median household income is about
$62,000 a year. Under standard 28/36
lending rules that supports a home price around
$249,190 with 20% down —
below the $520,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in Kalispell, MT is about $1,650 a month, so owning the median home costs roughly
$1,555 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in Kalispell, MT?
On the metro's roughly $520,000 typical home with 20% down, the loan is about $416,000. Principal and interest run near $2,701 a month at today's rate, and Kalispell, MT's property tax plus insurance add about $504, for a full payment near $3,205.
Can I afford a home in Kalispell, MT on the median income?
The median household income is about $62,000 a year. Under standard 28/36 lending rules that supports a home price around $249,190 with 20% down — below the $520,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Kalispell, MT?
Typical asking rent is about $1,650 a month. The full owner payment on a median home is near $3,205, so owning costs roughly $1,555 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Kalispell, MT?
The effective property tax rate in the core county is about 0.74% of market value — roughly $3,848 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Kalispell, MT rising or falling?
Home values are roughly flat over the past year. Kalispell is the main gateway to Glacier National Park, and second-home and short-term-rental demand from out-of-state buyers has pushed prices well above what the local Flathead Valley job market alone would support.