The typical owner-occupied home in Pendroy is worth about $80,000, 79% below the Montana median of $375,800 and 76% below the national median of $332,700. Owners pay a median $533 a year in property taxes, about 0.67% of their home's value, lower than the Montana rate of 0.72%. The median household earns $83,750 a year, so the median home costs 1.0 times the median income (5.2 times for Montana). 100% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Pendroy at a glance
| Pendroy | Montana | U.S. | |
|---|---|---|---|
| Median home value | $80,000 | $375,800 | $332,700 |
| Median property tax paid per year | $533 | $2,693 | $3,119 |
| Property tax as a share of value | 0.67% | 0.72% | 0.94% |
| Median household income | $83,750 | $72,509 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 25% | 55% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,798 | $1,963 |
| Median rent | – | $1,081 | $1,413 |
| Median year homes were built | 1950 | 1981 | 1980 |
| Vacant homes | 71.4% | 13.2% | 10.1% |
| Population | 13 | 1,116,875 | 334,922,499 |
What a typical home costs per month in Pendroy
At this week's average 30-year rate of 7.11%, buying the median Pendroy home of $80,000 with 20% down costs about $509 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $642, 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 $21,794 for the 20%-down payment. That payment is 7% of the median Pendroy household income of $83,750; at that income and 20% down, the 28% guideline points to a home of about $307,000.
| Down payment | $16,000 |
|---|---|
| Loan amount | $64,000 |
| Principal and interest | $431 |
| Property taxes (0.67% a year) | $45 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| PMI | $0 |
| Total per month | $509 |
Change the numbers in the calculator
| Down payment | $2,800 |
|---|---|
| Loan amount | $78,551 |
| Principal and interest | $528 |
| Property taxes (0.67% a year) | $45 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| FHA mortgage insurance | $35 |
| Total per month | $642 |
Change the numbers in the calculator
Questions about home buying in Pendroy
What is the median home value in Pendroy?
About $80,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pendroy?
Homeowners pay a median $533 a year, which is about 0.67% 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 Pendroy?
For the median home with 20% down at 7.11%, the payment is about $509 a month. Keeping that under 28% of gross income takes about $21,794 a year.
More about Pendroy
- Mortgage Refinance in Pendroy
- Debt Relief in Pendroy
- Home Equity Loans in Pendroy
- 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