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 $664 per month ($7,968/year) when you move from Wyoming to Montana.
If you sell your median-priced Wyoming home ($340K) and buy in Montana ($430K):
Your Wyoming equity covers the 20% down payment on a median Montana home with $16K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move costs you approximately $80K in housing costs alone.
Housing costs more in Montana. The median home is 21% higher than in Wyoming — a $90K 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.