M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Miles City, MT

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Miles City, Montana.

Median Home Price
$195K
Population
8K
Avg Monthly Rent
$780
Property Tax Rate
0.74%
Miles City vs Montana Median
The median home price in Miles City is $195,000, which is 55% below the Montana state median of $430,000.

Mortgage Calculator — Miles City, MT

Pre-filled with Miles City median home price and Montana tax/insurance rates. Adjust for your property.

$
$39,000
%
%
years
MT avg
%
$
Monthly Payment (PITI)
$1,281
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$986
per month
Taxes & Insurance
$295
per month
Total Interest Paid
$199K
over 30 years
Total Loan Cost
$355K
all payments
Payment Breakdown
Loan Amount$156,000
Principal & Interest$986
Property Taxes$120
Homeowners Insurance$175
Total Monthly PITI$1,281

Closing Costs — Miles City, MT

Estimated closing costs based on Montana rates and fees applied to Miles City prices.

$
%
Montana: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$7,894
4.0% of purchase price
Lender Fees
$1,829
origination, underwriting
Third-Party
$2,425
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,640
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,404
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,275
Recording Fee$150
Prepaid Taxes (3 mo)$361
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$469
Escrow Reserves$711
Total Closing Costs$7,894

Buying a Home in Miles City, Montana

The median home price in Miles City is $195,000, 55% below the Montana state median of $430,000. With a population of 8,410, Miles City is a smaller market where home prices tend to be more accessible than in many parts of Montana.

Property taxes in Montana average 0.74% annually. This moderate property tax rate means a $195,000 home in Miles City would carry roughly $120/month in property taxes. Homeowners insurance in Montana runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in Miles City is $780/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Miles City offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Montana's MBOH Regular Bond Program program.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Miles City.
Rent vs Buy Calculator →
Explore all of Montana: Montana Mortgage Calculator & Closing Costs →

More Cities in Montana

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.