Market Overview
Home Prices in Gildford, MT
The median home value in Gildford, MT is $276,631 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.6% compared to a year ago and up 9.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gildford are priced33% below average.
Over the past five years, Gildford home values have risen by approximately31.9%, reflecting strong long-term appreciation in this market.
Price History
Gildford Home Price Trend
2020
$167,247
$167K
—
2021
$209,657
$210K
+25.4%
2022
$249,579
$250K
+19.0%
2023
$224,719
$225K
-10.0%
2024
$238,973
$239K
+6.3%
2025
$262,018
$262K
+9.6%
2026
$276,631
$277K
+5.6%
City Comparison
Gildford vs. National Median
🏠 Gildford
$276,631
National Median
$410,000
At $276,631, homes in Gildford cost 33% below the national median of $410,000. This makes Gildford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Gildford?
20% Down Payment
$55,326
on $276,631
Monthly P&I
$1,443/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,833/mo
incl. taxes & insurance
Income Needed
$73,320
gross annual (30% rule)
10% Down Option
$27,663
+ PMI applies
Loan Amount (20% dn)
$221,305
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 Gildford, MT?
The median home value in Gildford is $276,631 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.6% year-over-year.
How much have home prices changed in Gildford?
Over the past year, home values in Gildford have increased by 5.6%. Over five years, prices have risen approximately 31.9%.
How much do I need to earn to buy a home in Gildford?
To comfortably afford the median home price of $276,631 with a 20% down payment ($55,326) at today's rates (6.8%), you'd need a gross annual income of approximately $73,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Gildford compare to the national average home price?
The national median home value is approximately $410,000. At $276,631, homes in Gildford are 33% below the national average.