The typical owner-occupied home in Winston is worth about $326,400, 13% below the Montana median of $375,800 and about the same as the national median of $332,700. Owners pay a median $3,264 a year in property taxes, about 1.00% of their home's value, higher than the Montana rate of 0.72%. The median household earns $58,159 a year, so the median home costs 5.6 times the median income (5.2 times for Montana). 100% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Winston at a glance
| Winston | Montana | U.S. | |
|---|---|---|---|
| Median home value | $326,400 | $375,800 | $332,700 |
| Median property tax paid per year | $3,264 | $2,693 | $3,119 |
| Property tax as a share of value | 1.00% | 0.72% | 0.94% |
| Median household income | $58,159 | $72,509 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 32% | 55% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,798 | $1,963 |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 2004 | 1981 | 1980 |
| Vacant homes | 38.2% | 13.2% | 10.1% |
| Population | 81 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Winston
At this week's average 30-year rate of 7.11%, buying the median Winston home of $326,400 with 20% down costs about $2,165 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,708, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $92,767 for the 20%-down payment. That payment is 45% of the median Winston household income of $58,159; at that income and 20% down, the 28% guideline points to a home of about $205,000.
| Down payment | $65,280 |
|---|---|
| Loan amount | $261,120 |
| Principal and interest | $1,757 |
| Property taxes (1.00% a year) | $272 |
| Homeowners insurance (our estimate, 0.5% a year) | $136 |
| PMI | $0 |
| Total per month | $2,165 |
Change the numbers in the calculator
| Down payment | $11,424 |
|---|---|
| Loan amount | $320,488 |
| Principal and interest | $2,156 |
| Property taxes (1.00% a year) | $272 |
| Homeowners insurance (our estimate, 0.5% a year) | $136 |
| FHA mortgage insurance | $144 |
| Total per month | $2,708 |
Change the numbers in the calculator
Questions about home buying in Winston
What is the median home value in Winston?
About $326,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Winston?
Homeowners pay a median $3,264 a year, which is about 1.00% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Winston?
For the median home with 20% down at 7.11%, the payment is about $2,165 a month. Keeping that under 28% of gross income takes about $92,767 a year.
More about Winston
- Mortgage Refinance in Winston
- Debt Relief in Winston
- Home Equity Loans in Winston
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data