The typical owner-occupied home in Sun River is worth about $167,600, 55% below the Montana median of $375,800 and 50% below the national median of $332,700. The median household earns $57,589 a year, so the median home costs 2.9 times the median income (5.2 times for Montana). 100% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Sun River at a glance
| Sun River | Montana | U.S. | |
|---|---|---|---|
| Median home value | $167,600 | $375,800 | $332,700 |
| Median property tax paid per year | – | $2,693 | $3,119 |
| Median household income | $57,589 | $72,509 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 38% | 55% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,798 | $1,963 |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1938 | 1981 | 1980 |
| Vacant homes | 0.0% | 13.2% | 10.1% |
| Population | 72 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Sun River
At this week's average 30-year rate of 7.11%, buying the median Sun River home of $167,600 with 20% down costs about $1,125 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,405, 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 $48,233 for the 20%-down payment. That payment is 23% of the median Sun River household income of $57,589; at that income and 20% down, the 28% guideline points to a home of about $200,000.
| Down payment | $33,520 |
|---|---|
| Loan amount | $134,080 |
| Principal and interest | $902 |
| Property taxes (1.10% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| PMI | $0 |
| Total per month | $1,125 |
Change the numbers in the calculator
| Down payment | $5,866 |
|---|---|
| Loan amount | $164,564 |
| Principal and interest | $1,107 |
| Property taxes (1.10% a year) | $154 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| FHA mortgage insurance | $74 |
| Total per month | $1,405 |
Change the numbers in the calculator
Questions about home buying in Sun River
What is the median home value in Sun River?
About $167,600 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 Sun River?
For the median home with 20% down at 7.11%, the payment is about $1,125 a month. Keeping that under 28% of gross income takes about $48,233 a year.
More about Sun River
- Mortgage Refinance in Sun River
- Debt Relief in Sun River
- Home Equity Loans in Sun River
- 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