Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Montana and Vermont. Updated for 2026.
Metric
Montana
Vermont
Median Home Price
$430K
$380K
Property Tax Rate
0.74%
1.9%
Avg Closing Costs
$6K
$6K
Closing Cost %
1.5%
1.6%
Transfer Tax
None
1.45%
Homeowners Insurance
$2,100/yr
$1,100/yr
First-Time Buyer Program
MBOH Regular Bond Program
Up to $15,000 DPA
VHFA MOVE Mortgage
$5K–$15K DPA
Verdict
Montana and Vermont 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.