Market Overview
Home Prices in Harlem, MT
The median home value in Harlem, MT is $172,473 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 10.8% compared to a year ago and up 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harlem are priced58% below average.
Over the past five years, Harlem home values have risen by approximately37.8%, reflecting strong long-term appreciation in this market.
Price History
Harlem Home Price Trend
2020
$98,483
$98K
—
2021
$125,207
$125K
+27.1%
2022
$144,657
$145K
+15.5%
2023
$140,129
$140K
-3.1%
2024
$153,845
$154K
+9.8%
2025
$155,634
$156K
+1.2%
2026
$172,473
$172K
+10.8%
City Comparison
Harlem vs. National Median
🏠 Harlem
$172,473
National Median
$410,000
At $172,473, homes in Harlem cost 58% below the national median of $410,000. This makes Harlem a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harlem?
20% Down Payment
$34,495
on $172,473
Monthly P&I
$900/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,143/mo
incl. taxes & insurance
Income Needed
$45,720
gross annual (30% rule)
10% Down Option
$17,247
+ PMI applies
Loan Amount (20% dn)
$137,978
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 Harlem, MT?
The median home value in Harlem is $172,473 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 10.8% year-over-year.
How much have home prices changed in Harlem?
Over the past year, home values in Harlem have increased by 10.8%. Over five years, prices have risen approximately 37.8%.
How much do I need to earn to buy a home in Harlem?
To comfortably afford the median home price of $172,473 with a 20% down payment ($34,495) at today's rates (6.8%), you'd need a gross annual income of approximately $45,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Harlem compare to the national average home price?
The national median home value is approximately $410,000. At $172,473, homes in Harlem are 58% below the national average.