Market Overview
Home Prices in Geraldine, MT
The median home value in Geraldine, MT is $280,060 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 11.8% compared to a year ago and up 15.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Geraldine are priced32% below average.
Over the past five years, Geraldine home values have risen by approximately44.5%, reflecting strong long-term appreciation in this market.
Price History
Geraldine Home Price Trend
2020
$159,496
$159K
—
2021
$193,811
$194K
+21.5%
2022
$223,286
$223K
+15.2%
2023
$202,728
$203K
-9.2%
2024
$217,407
$217K
+7.2%
2025
$250,583
$251K
+15.3%
2026
$280,060
$280K
+11.8%
City Comparison
Geraldine vs. National Median
🏠 Geraldine
$280,060
National Median
$410,000
At $280,060, homes in Geraldine cost 32% below the national median of $410,000. This makes Geraldine a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Geraldine?
20% Down Payment
$56,012
on $280,060
Monthly P&I
$1,461/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,855/mo
incl. taxes & insurance
Income Needed
$74,200
gross annual (30% rule)
10% Down Option
$28,006
+ PMI applies
Loan Amount (20% dn)
$224,048
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 Geraldine, MT?
The median home value in Geraldine is $280,060 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 11.8% year-over-year.
How much have home prices changed in Geraldine?
Over the past year, home values in Geraldine have increased by 11.8%. Over five years, prices have risen approximately 44.5%.
How much do I need to earn to buy a home in Geraldine?
To comfortably afford the median home price of $280,060 with a 20% down payment ($56,012) at today's rates (6.8%), you'd need a gross annual income of approximately $74,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Geraldine compare to the national average home price?
The national median home value is approximately $410,000. At $280,060, homes in Geraldine are 32% below the national average.