Flathead County, MT Average Home Price (2026)
The average home price in Flathead County, Montana is about $579,000 (the 2026 median across 13 ZIP codes, at ~$488/sq ft) — 38% more expensive than the Montana median and 100% more expensive than the typical U.S. home.
How Flathead County compares
Flathead County is relatively expensive for housing nationally: its typical home costs $579,000 against $418,500 for Montana and $289,000 for the U.S. Within the county, ZIP-level values run from about $339,000 to $877,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Flathead County | $579,000 | $488 |
| Montana | $418,500 | $280 |
| United States | $289,000 | $193 |
Flathead County home prices by ZIP code
The 13 most valuable ZIP codes in Flathead County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 59937 Whitefish | $877,000 | $721 | +51% |
| 59922 Lakeside | $846,000 | $481 | +46% |
| 59925 Marion | $737,000 | $482 | +27% |
| 59932 Somers | $708,000 | $507 | +22% |
| 59920 Proctor | $683,000 | $488 | +18% |
| 59912 Columbia Falls | $608,000 | $395 | +5% |
| 59928 Polebridge | $579,000 | $673 | +0% |
| 59901 Kalispell | $554,000 | $344 | -4% |
| 59913 Columbia Falls | $553,000 | $605 | -4% |
| 59927 Whitefish | $550,000 | $720 | -5% |
| 59926 Martin City | $502,000 | $483 | -13% |
| 59916 Essex | $421,000 | $493 | -27% |
| 59919 Hungry Horse | $339,000 | $338 | -41% |
Home value appreciation in Flathead County
Home prices in Flathead County have risen about 145% over the last 10 years (≈9.4% a year) and +171.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.0% — still rising. A home worth $579,000 today was worth roughly $236,134 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 Flathead County
Run the numbers for Flathead County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Flathead County
To buy the typical $579,000 home in Flathead County with 20% down, you need a household income of roughly $158,000 a year (about $3,680 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $187,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $29,000 | $4,570/mo | $196,000/yr |
| 10% (+PMI) | $57,900 | $4,370/mo | $187,000/yr |
| 20% | $115,800 | $3,680/mo | $158,000/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 Flathead County
At about $488 per square foot, here is roughly how much home different budgets get you in Flathead County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 610 sq ft | below the local median — condos, smaller or older homes |
| $400k | 820 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1020 sq ft | around the typical home here |
| $600k | 1230 sq ft | around the typical home here |
| $750k | 1540 sq ft | around the typical home here |
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 Flathead County
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Flathead 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.