The typical owner-occupied home in Whitefish is worth about $684,300, 82% above the Montana median of $375,800 and 2.1 times the national median of $332,700. Owners pay a median $3,735 a year in property taxes, about 0.55% of their home's value, lower than the Montana rate of 0.72%. The median household earns $73,811 a year, so the median home costs 9.3 times the median income (5.2 times for Montana). 62% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Whitefish at a glance
| Whitefish | Montana | U.S. | |
|---|---|---|---|
| Median home value | $684,300 | $375,800 | $332,700 |
| Median property tax paid per year | $3,735 | $2,693 | $3,119 |
| Property tax as a share of value | 0.55% | 0.72% | 0.94% |
| Median household income | $73,811 | $72,509 | $80,734 |
| Homes lived in by their owners | 62% | 69% | 65% |
| Owner homes with a mortgage | 62% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $2,294 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 18.9% | 21.9% | 21.0% |
| Median rent | $1,354 | $1,081 | $1,413 |
| Rent as a share of renters' income | 32.6% | 27.8% | 30.6% |
| Median year homes were built | 1991 | 1981 | 1980 |
| Vacant homes | 22.3% | 13.2% | 10.1% |
| Population | 8,749 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Whitefish
At this week's average 30-year rate of 7.11%, buying the median Whitefish home of $684,300 with 20% down costs about $4,281 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,421, 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 $183,489 for the 20%-down payment. That payment is 70% of the median Whitefish household income of $73,811; at that income and 20% down, the 28% guideline points to a home of about $275,000.
The median rent here is $1,354 a month, so owning the median home costs about $2,927 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $136,860 |
|---|---|
| Loan amount | $547,440 |
| Principal and interest | $3,683 |
| Property taxes (0.55% a year) | $314 |
| Homeowners insurance (our estimate, 0.5% a year) | $285 |
| PMI | $0 |
| Total per month | $4,281 |
Change the numbers in the calculator
| Down payment | $23,950 |
|---|---|
| Loan amount | $671,906 |
| Principal and interest | $4,520 |
| Property taxes (0.55% a year) | $314 |
| Homeowners insurance (our estimate, 0.5% a year) | $285 |
| FHA mortgage insurance | $303 |
| Total per month | $5,421 |
Change the numbers in the calculator
Questions about home buying in Whitefish
What is the median home value in Whitefish?
About $684,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitefish?
Homeowners pay a median $3,735 a year, which is about 0.55% 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 Whitefish?
For the median home with 20% down at 7.11%, the payment is about $4,281 a month. Keeping that under 28% of gross income takes about $183,489 a year.
More about Whitefish
- Mortgage Refinance in Whitefish
- Debt Relief in Whitefish
- Home Equity Loans in Whitefish
- 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