Market Overview
Home Prices in Opheim, MT
The median home value in Opheim, MT is $208,748 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 12.5% compared to a year ago and up 3.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Opheim are priced49% below average.
Over the past five years, Opheim home values have risen by approximately24.9%, reflecting strong long-term appreciation in this market.
Price History
Opheim Home Price Trend
2020
$134,829
$135K
—
2021
$167,132
$167K
+24.0%
2022
$194,897
$195K
+16.6%
2023
$174,736
$175K
-10.3%
2024
$179,842
$180K
+2.9%
2025
$185,530
$186K
+3.2%
2026
$208,748
$209K
+12.5%
City Comparison
Opheim vs. National Median
🏠 Opheim
$208,748
National Median
$410,000
At $208,748, homes in Opheim cost 49% below the national median of $410,000. This makes Opheim a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Opheim?
20% Down Payment
$41,750
on $208,748
Monthly P&I
$1,089/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,383/mo
incl. taxes & insurance
Income Needed
$55,320
gross annual (30% rule)
10% Down Option
$20,875
+ PMI applies
Loan Amount (20% dn)
$166,998
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 Opheim, MT?
The median home value in Opheim is $208,748 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 12.5% year-over-year.
How much have home prices changed in Opheim?
Over the past year, home values in Opheim have increased by 12.5%. Over five years, prices have risen approximately 24.9%.
How much do I need to earn to buy a home in Opheim?
To comfortably afford the median home price of $208,748 with a 20% down payment ($41,750) at today's rates (6.8%), you'd need a gross annual income of approximately $55,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Opheim compare to the national average home price?
The national median home value is approximately $410,000. At $208,748, homes in Opheim are 49% below the national average.