Gallatin County, MT Average Home Price (2026)
The average home price in Gallatin County, Montana is about $651,000 (the 2026 median across 8 ZIP codes, at ~$369/sq ft) — 56% more expensive than the Montana median and 125% more expensive than the typical U.S. home.
How Gallatin County compares
Gallatin County is relatively expensive for housing nationally: its typical home costs $651,000 against $418,500 for Montana and $289,000 for the U.S. Within the county, ZIP-level values run from about $515,000 to $1,397,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Gallatin County | $651,000 | $369 |
| Montana | $418,500 | $280 |
| United States | $289,000 | $193 |
Gallatin County home prices by ZIP code
The 8 most valuable ZIP codes in Gallatin County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 59730 Gallatin Gateway | $1,397,000 | $815 | +115% |
| 59715 Bozeman | $874,000 | $504 | +34% |
| 59741 Manhattan | $678,000 | $364 | +4% |
| 59758 West Yellowstone | $660,000 | $385 | +1% |
| 59718 Bozeman | $642,000 | $373 | -1% |
| 59752 Three Forks | $550,000 | $299 | -16% |
| 59714 Belgrade | $549,000 | $332 | -16% |
| 59760 Three Forks | $515,000 | $252 | -21% |
Home value appreciation in Gallatin County
Home prices in Gallatin County have risen about 140% over the last 10 years (≈9.2% a year) and +182.4% 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 $651,000 today was worth roughly $270,799 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 Gallatin County
Run the numbers for Gallatin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Gallatin County
To buy the typical $651,000 home in Gallatin County with 20% down, you need a household income of roughly $177,000 a year (about $4,130 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $210,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $32,600 | $5,140/mo | $220,000/yr |
| 10% (+PMI) | $65,100 | $4,910/mo | $210,000/yr |
| 20% | $130,200 | $4,130/mo | $177,000/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 Gallatin County
At about $369 per square foot, here is roughly how much home different budgets get you in Gallatin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 810 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1630 sq ft | around the typical home here |
| $750k | 2030 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 Gallatin County
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Gallatin 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.