The typical owner-occupied home in Bearcreek is worth about $204,200, 46% below the Montana median of $375,800 and 39% below the national median of $332,700. Owners pay a median $1,306 a year in property taxes, about 0.64% of their home's value, lower than the Montana rate of 0.72%. The median household earns $115,000 a year, so the median home costs 1.8 times the median income (5.2 times for Montana). 75% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Bearcreek at a glance
| Bearcreek | Montana | U.S. | |
|---|---|---|---|
| Median home value | $204,200 | $375,800 | $332,700 |
| Median property tax paid per year | $1,306 | $2,693 | $3,119 |
| Property tax as a share of value | 0.64% | 0.72% | 0.94% |
| Median household income | $115,000 | $72,509 | $80,734 |
| Homes lived in by their owners | 75% | 69% | 65% |
| Owner homes with a mortgage | 62% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $2,036 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 21.9% | 21.0% |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1972 | 1981 | 1980 |
| Vacant homes | 0.0% | 13.2% | 10.1% |
| Population | 88 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Bearcreek
At this week's average 30-year rate of 7.11%, buying the median Bearcreek home of $204,200 with 20% down costs about $1,293 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,633, 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 $55,411 for the 20%-down payment. That payment is 13% of the median Bearcreek household income of $115,000; at that income and 20% down, the 28% guideline points to a home of about $424,000.
| Down payment | $40,840 |
|---|---|
| Loan amount | $163,360 |
| Principal and interest | $1,099 |
| Property taxes (0.64% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| PMI | $0 |
| Total per month | $1,293 |
Change the numbers in the calculator
| Down payment | $7,147 |
|---|---|
| Loan amount | $200,501 |
| Principal and interest | $1,349 |
| Property taxes (0.64% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| FHA mortgage insurance | $90 |
| Total per month | $1,633 |
Change the numbers in the calculator
Questions about home buying in Bearcreek
What is the median home value in Bearcreek?
About $204,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bearcreek?
Homeowners pay a median $1,306 a year, which is about 0.64% 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 Bearcreek?
For the median home with 20% down at 7.11%, the payment is about $1,293 a month. Keeping that under 28% of gross income takes about $55,411 a year.
More about Bearcreek
- Mortgage Refinance in Bearcreek
- Debt Relief in Bearcreek
- Home Equity Loans in Bearcreek
- 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