The typical owner-occupied home in Cascade County is worth about $265,300, 29% below the Montana median of $375,800 and 20% below the national median of $332,700. Owners pay a median $2,320 a year in property taxes, about 0.87% of their home's value, higher than the Montana rate of 0.72%. The median household earns $67,690 a year, so the median home costs 3.9 times the median income (5.2 times for Montana). 69% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
Cascade County at a glance
| Cascade County | Montana | U.S. | |
|---|---|---|---|
| Median home value | $265,300 | $375,800 | $332,700 |
| Median property tax paid per year | $2,320 | $2,693 | $3,119 |
| Property tax as a share of value | 0.87% | 0.72% | 0.94% |
| Median household income | $67,690 | $72,509 | $80,734 |
| Homes lived in by their owners | 69% | 69% | 65% |
| Owner homes with a mortgage | 59% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,538 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 20.6% | 21.9% | 21.0% |
| Median rent | $939 | $1,081 | $1,413 |
| Rent as a share of renters' income | 27.3% | 27.8% | 30.6% |
| Median year homes were built | 1970 | 1981 | 1980 |
| Vacant homes | 9.8% | 13.2% | 10.1% |
| Population | 84,606 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Cascade County
At this week's average 30-year rate of 7.11%, buying the median Cascade County home of $265,300 with 20% down costs about $1,731 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,173, 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 $74,170 for the 20%-down payment. That payment is 31% of the median Cascade County household income of $67,690; at that income and 20% down, the 28% guideline points to a home of about $242,000.
The median rent here is $939 a month, so owning the median home costs about $792 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,060 |
|---|---|
| Loan amount | $212,240 |
| Principal and interest | $1,428 |
| Property taxes (0.87% a year) | $192 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| PMI | $0 |
| Total per month | $1,731 |
Change the numbers in the calculator
| Down payment | $9,286 |
|---|---|
| Loan amount | $260,495 |
| Principal and interest | $1,752 |
| Property taxes (0.87% a year) | $192 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| FHA mortgage insurance | $117 |
| Total per month | $2,173 |
Change the numbers in the calculator
Questions about home buying in Cascade County
What is the median home value in Cascade County?
About $265,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cascade County?
Homeowners pay a median $2,320 a year, which is about 0.87% 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 Cascade County?
For the median home with 20% down at 7.11%, the payment is about $1,731 a month. Keeping that under 28% of gross income takes about $74,170 a year.
More about Cascade County
- Mortgage Refinance in Cascade County
- Debt Relief in Cascade County
- Home Equity Loans in Cascade County
- 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