The typical owner-occupied home in Coffee Creek is worth about $276,700, 26% below the Montana median of $375,800 and 17% below the national median of $332,700. The median household earns $85,833 a year, so the median home costs 3.2 times the median income (5.2 times for Montana). 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Coffee Creek at a glance
| Coffee Creek | Montana | U.S. | |
|---|---|---|---|
| Median home value | $276,700 | $375,800 | $332,700 |
| Median property tax paid per year | – | $2,693 | $3,119 |
| Median household income | $85,833 | $72,509 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 0% | 55% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,798 | $1,963 |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1973 | 1981 | 1980 |
| Vacant homes | 0.0% | 13.2% | 10.1% |
| Population | 61 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Coffee Creek
At this week's average 30-year rate of 7.11%, buying the median Coffee Creek home of $276,700 with 20% down costs about $1,858 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,319, 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 $79,630 for the 20%-down payment. That payment is 26% of the median Coffee Creek household income of $85,833; at that income and 20% down, the 28% guideline points to a home of about $298,000.
| Down payment | $55,340 |
|---|---|
| Loan amount | $221,360 |
| Principal and interest | $1,489 |
| Property taxes (1.10% a year) | $254 |
| Homeowners insurance (our estimate, 0.5% a year) | $115 |
| PMI | $0 |
| Total per month | $1,858 |
Change the numbers in the calculator
| Down payment | $9,684 |
|---|---|
| Loan amount | $271,688 |
| Principal and interest | $1,828 |
| Property taxes (1.10% a year) | $254 |
| Homeowners insurance (our estimate, 0.5% a year) | $115 |
| FHA mortgage insurance | $122 |
| Total per month | $2,319 |
Change the numbers in the calculator
Questions about home buying in Coffee Creek
What is the median home value in Coffee Creek?
About $276,700 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 Coffee Creek?
For the median home with 20% down at 7.11%, the payment is about $1,858 a month. Keeping that under 28% of gross income takes about $79,630 a year.
More about Coffee Creek
- Mortgage Refinance in Coffee Creek
- Debt Relief in Coffee Creek
- Home Equity Loans in Coffee Creek
- 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