Market Overview
Home Prices in Pray, MT
The median home value in Pray, MT is $1,035,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.3% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pray are priced153% above average.
Over the past five years, Pray home values have risen by approximately19.4%, reflecting steady appreciation in this market.
Price History
Pray Home Price Trend
2020
$667,555
$668K
—
2021
$867,293
$867K
+29.9%
2022
$1,076,789
$1.08M
+24.2%
2023
$920,390
$920K
-14.5%
2024
$986,750
$987K
+7.2%
2025
$1,003,182
$1.00M
+1.7%
2026
$1,035,814
$1.04M
+3.3%
City Comparison
Pray vs. National Median
🏠 Pray
$1,035,814
National Median
$410,000
At $1,035,814, homes in Pray cost 153% above the national median of $410,000. Buyers in Pray should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Pray?
20% Down Payment
$207,163
on $1,035,814
Monthly P&I
$5,402/mo
30-yr @ 6.8%
Total Monthly Est.
~$6,861/mo
incl. taxes & insurance
Income Needed
$274,440
gross annual (30% rule)
10% Down Option
$103,581
+ PMI applies
Loan Amount (20% dn)
$828,651
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 Pray, MT?
The median home value in Pray is $1,035,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.3% year-over-year.
How much have home prices changed in Pray?
Over the past year, home values in Pray have increased by 3.3%. Over five years, prices have risen approximately 19.4%.
How much do I need to earn to buy a home in Pray?
To comfortably afford the median home price of $1,035,814 with a 20% down payment ($207,163) at today's rates (6.8%), you'd need a gross annual income of approximately $274,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Pray compare to the national average home price?
The national median home value is approximately $410,000. At $1,035,814, homes in Pray are 153% above the national average.