The typical owner-occupied home in Rudyard is worth about $96,300, 74% below the Montana median of $375,800 and 71% below the national median of $332,700. Owners pay a median $1,011 a year in property taxes, about 1.05% of their home's value, higher than the Montana rate of 0.72%. The median household earns $98,542 a year, so the median home costs 1.0 times the median income (5.2 times for Montana). 70% of occupied homes here are lived in by their owners, and 23% of those owners still have a mortgage.
Rudyard at a glance
| Rudyard | Montana | U.S. | |
|---|---|---|---|
| Median home value | $96,300 | $375,800 | $332,700 |
| Median property tax paid per year | $1,011 | $2,693 | $3,119 |
| Property tax as a share of value | 1.05% | 0.72% | 0.94% |
| Median household income | $98,542 | $72,509 | $80,734 |
| Homes lived in by their owners | 70% | 69% | 65% |
| Owner homes with a mortgage | 23% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,594 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 21.9% | 21.0% |
| Median rent | $650 | $1,081 | $1,413 |
| Rent as a share of renters' income | 17.5% | 27.8% | 30.6% |
| Median year homes were built | 1957 | 1981 | 1980 |
| Vacant homes | 7.8% | 13.2% | 10.1% |
| Population | 312 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Rudyard
At this week's average 30-year rate of 7.11%, buying the median Rudyard home of $96,300 with 20% down costs about $643 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $803, 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 $27,542 for the 20%-down payment. That payment is 8% of the median Rudyard household income of $98,542; at that income and 20% down, the 28% guideline points to a home of about $345,000.
The median rent here is $650 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $19,260 |
|---|---|
| Loan amount | $77,040 |
| Principal and interest | $518 |
| Property taxes (1.05% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| PMI | $0 |
| Total per month | $643 |
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| Down payment | $3,370 |
|---|---|
| Loan amount | $94,556 |
| Principal and interest | $636 |
| Property taxes (1.05% a year) | $84 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| FHA mortgage insurance | $43 |
| Total per month | $803 |
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Questions about home buying in Rudyard
What is the median home value in Rudyard?
About $96,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rudyard?
Homeowners pay a median $1,011 a year, which is about 1.05% 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 Rudyard?
For the median home with 20% down at 7.11%, the payment is about $643 a month. Keeping that under 28% of gross income takes about $27,542 a year.
More about Rudyard
- Mortgage Refinance in Rudyard
- Debt Relief in Rudyard
- Home Equity Loans in Rudyard
- 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