The typical owner-occupied home in Valier is worth about $138,400, 63% below the Montana median of $375,800 and 58% below the national median of $332,700. Owners pay a median $1,387 a year in property taxes, about 1.00% of their home's value, higher than the Montana rate of 0.72%. The median household earns $53,021 a year, so the median home costs 2.6 times the median income (5.2 times for Montana). 84% of occupied homes here are lived in by their owners, and 29% of those owners still have a mortgage.
Valier at a glance
| Valier | Montana | U.S. | |
|---|---|---|---|
| Median home value | $138,400 | $375,800 | $332,700 |
| Median property tax paid per year | $1,387 | $2,693 | $3,119 |
| Property tax as a share of value | 1.00% | 0.72% | 0.94% |
| Median household income | $53,021 | $72,509 | $80,734 |
| Homes lived in by their owners | 84% | 69% | 65% |
| Owner homes with a mortgage | 29% | 55% | 61% |
| Median monthly costs, owners with a mortgage | $1,292 | $1,798 | $1,963 |
| Those costs as a share of the owners' income | 22.5% | 21.9% | 21.0% |
| Median rent | $780 | $1,081 | $1,413 |
| Rent as a share of renters' income | 43.6% | 27.8% | 30.6% |
| Median year homes were built | 1946 | 1981 | 1980 |
| Vacant homes | 14.6% | 13.2% | 10.1% |
| Population | 573 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Valier
At this week's average 30-year rate of 7.11%, buying the median Valier home of $138,400 with 20% down costs about $918 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,148, 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 $39,335 for the 20%-down payment. That payment is 21% of the median Valier household income of $53,021; at that income and 20% down, the 28% guideline points to a home of about $187,000.
The median rent here is $780 a month, so owning the median home costs about $138 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $27,680 |
|---|---|
| Loan amount | $110,720 |
| Principal and interest | $745 |
| Property taxes (1.00% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $58 |
| PMI | $0 |
| Total per month | $918 |
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| Down payment | $4,844 |
|---|---|
| Loan amount | $135,893 |
| Principal and interest | $914 |
| Property taxes (1.00% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $58 |
| FHA mortgage insurance | $61 |
| Total per month | $1,148 |
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Questions about home buying in Valier
What is the median home value in Valier?
About $138,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Valier?
Homeowners pay a median $1,387 a year, which is about 1.00% 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 Valier?
For the median home with 20% down at 7.11%, the payment is about $918 a month. Keeping that under 28% of gross income takes about $39,335 a year.
More about Valier
- Mortgage Refinance in Valier
- Debt Relief in Valier
- Home Equity Loans in Valier
- 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