Market Overview
Home Prices in Plains, MT
The median home value in Plains, MT is $452,777 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.6% compared to a year ago and up 5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Plains are priced10% above average.
Over the past five years, Plains home values have risen by approximately47.6%, reflecting strong long-term appreciation in this market.
Price History
Plains Home Price Trend
2020
$230,475
$230K
—
2021
$306,658
$307K
+33.1%
2022
$413,998
$414K
+35.0%
2023
$394,855
$395K
-4.6%
2024
$420,427
$420K
+6.5%
2025
$441,281
$441K
+5.0%
2026
$452,777
$453K
+2.6%
City Comparison
Plains vs. National Median
🏠 Plains
$452,777
National Median
$410,000
At $452,777, homes in Plains cost 10% above the national median of $410,000. Buyers in Plains should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Plains?
20% Down Payment
$90,555
on $452,777
Monthly P&I
$2,361/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,998/mo
incl. taxes & insurance
Income Needed
$119,920
gross annual (30% rule)
10% Down Option
$45,278
+ PMI applies
Loan Amount (20% dn)
$362,222
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 Plains, MT?
The median home value in Plains is $452,777 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.6% year-over-year.
How much have home prices changed in Plains?
Over the past year, home values in Plains have increased by 2.6%. Over five years, prices have risen approximately 47.6%.
How much do I need to earn to buy a home in Plains?
To comfortably afford the median home price of $452,777 with a 20% down payment ($90,555) at today's rates (6.8%), you'd need a gross annual income of approximately $119,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Plains compare to the national average home price?
The national median home value is approximately $410,000. At $452,777, homes in Plains are 10% above the national average.