The typical owner-occupied home in Fort Shaw is worth about $184,500, 51% below the Montana median of $375,800 and 45% below the national median of $332,700. Owners pay a median $1,087 a year in property taxes, about 0.59% of their home's value, lower than the Montana rate of 0.72%. The median household earns $56,413 a year, so the median home costs 3.3 times the median income (5.2 times for Montana). 82% of occupied homes here are lived in by their owners, and 79% of those owners still have a mortgage.
Fort Shaw at a glance
| Fort Shaw | Montana | U.S. | |
|---|---|---|---|
| Median home value | $184,500 | $375,800 | $332,700 |
| Median property tax paid per year | $1,087 | $2,693 | $3,119 |
| Property tax as a share of value | 0.59% | 0.72% | 0.94% |
| Median household income | $56,413 | $72,509 | $80,734 |
| Homes lived in by their owners | 82% | 69% | 65% |
| Owner homes with a mortgage | 79% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,341 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 22.1% | 21.9% | 21.0% |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1973 | 1981 | 1980 |
| Vacant homes | 11.7% | 13.2% | 10.1% |
| Population | 207 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Fort Shaw
At this week's average 30-year rate of 7.11%, buying the median Fort Shaw home of $184,500 with 20% down costs about $1,160 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,468, 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 $49,736 for the 20%-down payment. That payment is 25% of the median Fort Shaw household income of $56,413; at that income and 20% down, the 28% guideline points to a home of about $209,000.
| Down payment | $36,900 |
|---|---|
| Loan amount | $147,600 |
| Principal and interest | $993 |
| Property taxes (0.59% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $77 |
| PMI | $0 |
| Total per month | $1,160 |
Change the numbers in the calculator
| Down payment | $6,458 |
|---|---|
| Loan amount | $181,158 |
| Principal and interest | $1,219 |
| Property taxes (0.59% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $77 |
| FHA mortgage insurance | $82 |
| Total per month | $1,468 |
Change the numbers in the calculator
Questions about home buying in Fort Shaw
What is the median home value in Fort Shaw?
About $184,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Fort Shaw?
Homeowners pay a median $1,087 a year, which is about 0.59% 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 Fort Shaw?
For the median home with 20% down at 7.11%, the payment is about $1,160 a month. Keeping that under 28% of gross income takes about $49,736 a year.
More about Fort Shaw
- Mortgage Refinance in Fort Shaw
- Debt Relief in Fort Shaw
- Home Equity Loans in Fort Shaw
- 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