Market Overview
Home Prices in Roy, MT
The median home value in Roy, MT is $369,747 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.5% compared to a year ago and up 15.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Roy are priced10% below average.
Over the past five years, Roy home values have risen by approximately73.9%, reflecting strong long-term appreciation in this market.
Price History
Roy Home Price Trend
2020
$155,241
$155K
—
2021
$212,673
$213K
+37.0%
2022
$327,726
$328K
+54.1%
2023
$306,370
$306K
-6.5%
2024
$317,983
$318K
+3.8%
2025
$368,082
$368K
+15.8%
2026
$369,747
$370K
+0.5%
City Comparison
Roy vs. National Median
🏠 Roy
$369,747
National Median
$410,000
At $369,747, homes in Roy cost 10% below the national median of $410,000. This makes Roy a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Roy?
20% Down Payment
$73,949
on $369,747
Monthly P&I
$1,928/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,449/mo
incl. taxes & insurance
Income Needed
$97,960
gross annual (30% rule)
10% Down Option
$36,975
+ PMI applies
Loan Amount (20% dn)
$295,798
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 Roy, MT?
The median home value in Roy is $369,747 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.5% year-over-year.
How much have home prices changed in Roy?
Over the past year, home values in Roy have increased by 0.5%. Over five years, prices have risen approximately 73.9%.
How much do I need to earn to buy a home in Roy?
To comfortably afford the median home price of $369,747 with a 20% down payment ($73,949) at today's rates (6.8%), you'd need a gross annual income of approximately $97,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Roy compare to the national average home price?
The national median home value is approximately $410,000. At $369,747, homes in Roy are 10% below the national average.