The typical owner-occupied home in Sand Coulee is worth about $212,500, 43% below the Montana median of $375,800 and 36% below the national median of $332,700. 100% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Sand Coulee at a glance
| Sand Coulee | Montana | U.S. | |
|---|---|---|---|
| Median home value | $212,500 | $375,800 | $332,700 |
| Median property tax paid per year | – | $2,693 | $3,119 |
| Median household income | – | $72,509 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 45% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,833 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 45.0% | 21.9% | 21.0% |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1971 | 1981 | 1980 |
| Vacant homes | 16.2% | 13.2% | 10.1% |
| Population | 134 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Sand Coulee
At this week's average 30-year rate of 7.11%, buying the median Sand Coulee home of $212,500 with 20% down costs about $1,427 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,781, 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 $61,154 for the 20%-down payment.
| Down payment | $42,500 |
|---|---|
| Loan amount | $170,000 |
| Principal and interest | $1,144 |
| Property taxes (1.10% a year) | $195 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| PMI | $0 |
| Total per month | $1,427 |
Change the numbers in the calculator
| Down payment | $7,438 |
|---|---|
| Loan amount | $208,651 |
| Principal and interest | $1,404 |
| Property taxes (1.10% a year) | $195 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| FHA mortgage insurance | $94 |
| Total per month | $1,781 |
Change the numbers in the calculator
Questions about home buying in Sand Coulee
What is the median home value in Sand Coulee?
About $212,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Sand Coulee?
For the median home with 20% down at 7.11%, the payment is about $1,427 a month. Keeping that under 28% of gross income takes about $61,154 a year.
More about Sand Coulee
- Mortgage Refinance in Sand Coulee
- Debt Relief in Sand Coulee
- Home Equity Loans in Sand Coulee
- 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