How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $1,119 per month ($13,428/year) when you move from North Dakota to Montana.
If you sell your median-priced North Dakota home ($255K) and buy in Montana ($430K):
Your North Dakota equity falls $10K short of a 20% down payment in Montana. You may need additional savings or could consider a lower down payment with PMI.
Over 10 years, this move costs you approximately $134K in housing costs alone.
Housing costs more in Montana. The median home is 41% higher than in North Dakota — a $175K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
When you buy in Montana, expect about $6K in closing costs (1.5% of purchase price). Montana has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Montana's MBOH Regular Bond Program offers Up to $15,000 DPA. If you haven't owned a home in three years (or are buying in Montana for the first time), you may qualify. Check eligibility requirements and income limits on Montana's housing finance agency website.