Market Overview
Home Prices in Cardwell, MT
The median home value in Cardwell, MT is $596,613 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 0.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cardwell are priced46% above average. Cardwell is part of the Helena, MT metro area.
Over the past five years, Cardwell home values have risen by approximately34.9%, reflecting strong long-term appreciation in this market.
Price History
Cardwell Home Price Trend
City Comparison
Cardwell vs. National Median
At $596,613, homes in Cardwell cost 46% above the national median of $410,000. Buyers in Cardwell should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cardwell?
20% Down Payment
$119,323
on $596,613
Monthly P&I
$3,112/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,952/mo
incl. taxes & insurance
Income Needed
$158,080
gross annual (30% rule)
10% Down Option
$59,661
+ PMI applies
Loan Amount (20% dn)
$477,290
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cardwell, MT?
The median home value in Cardwell is $596,613 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Cardwell?
Over the past year, home values in Cardwell have increased by 0.3%. Over five years, prices have risen approximately 34.9%.
How much do I need to earn to buy a home in Cardwell?
To comfortably afford the median home price of $596,613 with a 20% down payment ($119,323) at today's rates (6.8%), you'd need a gross annual income of approximately $158,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Cardwell compare to the national average home price?
The national median home value is approximately $410,000. At $596,613, homes in Cardwell are 46% above the national average.
What metro area is Cardwell part of?
Cardwell is part of the Helena, MT metropolitan area. Home prices and market conditions can vary across the broader metro region.