The typical owner-occupied home in Pablo is worth about $256,700, 32% below the Montana median of $375,800 and 23% below the national median of $332,700. Owners pay a median $2,097 a year in property taxes, about 0.82% of their home's value, higher than the Montana rate of 0.72%. The median household earns $36,400 a year, so the median home costs 7.1 times the median income (5.2 times for Montana). 66% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Pablo at a glance
| Pablo | Montana | U.S. | |
|---|---|---|---|
| Median home value | $256,700 | $375,800 | $332,700 |
| Median property tax paid per year | $2,097 | $2,693 | $3,119 |
| Property tax as a share of value | 0.82% | 0.72% | 0.94% |
| Median household income | $36,400 | $72,509 | $80,734 |
| Homes lived in by their owners | 66% | 69% | 65% |
| Owner homes with a mortgage | 30% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,278 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 23.5% | 21.9% | 21.0% |
| Median rent | $793 | $1,081 | $1,413 |
| Rent as a share of renters' income | 25.8% | 27.8% | 30.6% |
| Median year homes were built | 1992 | 1981 | 1980 |
| Vacant homes | 14.5% | 13.2% | 10.1% |
| Population | 1,632 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Pablo
At this week's average 30-year rate of 7.11%, buying the median Pablo home of $256,700 with 20% down costs about $1,664 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,091, 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 $71,307 for the 20%-down payment. That payment is 55% of the median Pablo household income of $36,400; at that income and 20% down, the 28% guideline points to a home of about $131,000.
The median rent here is $793 a month, so owning the median home costs about $871 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $51,340 |
|---|---|
| Loan amount | $205,360 |
| Principal and interest | $1,381 |
| Property taxes (0.82% a year) | $175 |
| Homeowners insurance (our estimate, 0.5% a year) | $107 |
| PMI | $0 |
| Total per month | $1,664 |
Change the numbers in the calculator
| Down payment | $8,984 |
|---|---|
| Loan amount | $252,051 |
| Principal and interest | $1,696 |
| Property taxes (0.82% a year) | $175 |
| Homeowners insurance (our estimate, 0.5% a year) | $107 |
| FHA mortgage insurance | $114 |
| Total per month | $2,091 |
Change the numbers in the calculator
Questions about home buying in Pablo
What is the median home value in Pablo?
About $256,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pablo?
Homeowners pay a median $2,097 a year, which is about 0.82% 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 Pablo?
For the median home with 20% down at 7.11%, the payment is about $1,664 a month. Keeping that under 28% of gross income takes about $71,307 a year.
More about Pablo
- Mortgage Refinance in Pablo
- Debt Relief in Pablo
- Home Equity Loans in Pablo
- 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