The typical owner-occupied home in Willow Creek is worth about $450,000, 20% above the Montana median of $375,800 and 35% above the national median of $332,700. Owners pay a median $2,192 a year in property taxes, about 0.49% of their home's value, lower than the Montana rate of 0.72%. The median household earns $62,857 a year, so the median home costs 7.2 times the median income (5.2 times for Montana). 94% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Willow Creek at a glance
| Willow Creek | Montana | U.S. | |
|---|---|---|---|
| Median home value | $450,000 | $375,800 | $332,700 |
| Median property tax paid per year | $2,192 | $2,693 | $3,119 |
| Property tax as a share of value | 0.49% | 0.72% | 0.94% |
| Median household income | $62,857 | $72,509 | $80,734 |
| Homes lived in by their owners | 94% | 69% | 65% |
| Owner homes with a mortgage | 48% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,768 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 19.8% | 21.9% | 21.0% |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1979 | 1981 | 1980 |
| Vacant homes | 20.4% | 13.2% | 10.1% |
| Population | 181 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Willow Creek
At this week's average 30-year rate of 7.11%, buying the median Willow Creek home of $450,000 with 20% down costs about $2,793 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,543, 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 $119,700 for the 20%-down payment. That payment is 53% of the median Willow Creek household income of $62,857; at that income and 20% down, the 28% guideline points to a home of about $236,000.
| Down payment | $90,000 |
|---|---|
| Loan amount | $360,000 |
| Principal and interest | $2,422 |
| Property taxes (0.49% a year) | $184 |
| Homeowners insurance (our estimate, 0.5% a year) | $188 |
| PMI | $0 |
| Total per month | $2,793 |
Change the numbers in the calculator
| Down payment | $15,750 |
|---|---|
| Loan amount | $441,849 |
| Principal and interest | $2,972 |
| Property taxes (0.49% a year) | $184 |
| Homeowners insurance (our estimate, 0.5% a year) | $188 |
| FHA mortgage insurance | $199 |
| Total per month | $3,543 |
Change the numbers in the calculator
Questions about home buying in Willow Creek
What is the median home value in Willow Creek?
About $450,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Willow Creek?
Homeowners pay a median $2,192 a year, which is about 0.49% 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 Willow Creek?
For the median home with 20% down at 7.11%, the payment is about $2,793 a month. Keeping that under 28% of gross income takes about $119,700 a year.
More about Willow Creek
- Mortgage Refinance in Willow Creek
- Debt Relief in Willow Creek
- Home Equity Loans in Willow 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