Montana vs North Carolina: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Montana and North Carolina. Updated for 2026.
Metric
Montana
North Carolina
Median Home Price
$430K
$340K
Property Tax Rate
0.74%
0.78%
Avg Closing Costs
$6K
$5K
Closing Cost %
1.5%
1.4%
Transfer Tax
None
0.2%
Homeowners Insurance
$2,100/yr
$2,300/yr
First-Time Buyer Program
MBOH Regular Bond Program
Up to $15,000 DPA
NC Home Advantage Mortgage
Up to 5% DPA
Verdict
Montana and North Carolina are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.