Fergus County, MT Average Home Price (2026)
The average home price in Fergus County, Montana is about $282,500 (the 2026 median across 8 ZIP codes, at ~$171/sq ft) — 32% more affordable than the Montana median and 2% more affordable than the typical U.S. home.
How Fergus County compares
Fergus County is about average for housing nationally: its typical home costs $282,500 against $418,500 for Montana and $289,000 for the U.S. Within the county, ZIP-level values run from about $205,000 to $351,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Fergus County | $282,500 | $171 |
| Montana | $418,500 | $280 |
| United States | $289,000 | $193 |
Fergus County home prices by ZIP code
The 8 most valuable ZIP codes in Fergus County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 59451 Hilger | $351,000 | $185 | +24% |
| 59464 Moore | $330,000 | $173 | +17% |
| 59032 Grass Range | $319,000 | $168 | +13% |
| 59457 Lewistown | $285,000 | $202 | +1% |
| 59489 Roy | $280,000 | $143 | -1% |
| 59430 Denton | $264,000 | $170 | -7% |
| 59471 Roy | $254,000 | $172 | -10% |
| 59424 Coffee Creek | $205,000 | $108 | -27% |
Home value appreciation in Fergus County
Home prices in Fergus County have risen about 104% over the last 10 years (≈7.4% a year) and +182.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.1% — roughly flat. A home worth $282,500 today was worth roughly $138,480 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Montana is +105.0% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Fergus County
Run the numbers for Fergus County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Fergus County
To buy the typical $282,500 home in Fergus County with 20% down, you need a household income of roughly $77,000 a year (about $1,790 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $91,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,100 | $2,230/mo | $96,000/yr |
| 10% (+PMI) | $28,300 | $2,130/mo | $91,000/yr |
| 20% | $56,500 | $1,790/mo | $77,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Fergus County
At about $171 per square foot, here is roughly how much home different budgets get you in Fergus County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 880 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1460 sq ft | around the typical home here |
| $300k | 1750 sq ft | around the typical home here |
| $400k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Montana.
Estimate a specific home in Fergus County
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Fergus County home prices: frequently asked
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Browse all Montana cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.