Market Overview
Home Prices in Saco, MT
The median home value in Saco, MT is $154,175 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.9% compared to a year ago and up 8.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saco are priced62% below average.
Over the past five years, Saco home values have risen by approximately28.9%, reflecting strong long-term appreciation in this market.
Price History
Saco Home Price Trend
2020
$94,228
$94K
—
2021
$119,603
$120K
+26.9%
2022
$144,149
$144K
+20.5%
2023
$136,577
$137K
-5.3%
2024
$141,079
$141K
+3.3%
2025
$152,829
$153K
+8.3%
2026
$154,175
$154K
+0.9%
City Comparison
Saco vs. National Median
🏠 Saco
$154,175
National Median
$410,000
At $154,175, homes in Saco cost 62% below the national median of $410,000. This makes Saco a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saco?
20% Down Payment
$30,835
on $154,175
Monthly P&I
$804/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,021/mo
incl. taxes & insurance
Income Needed
$40,840
gross annual (30% rule)
10% Down Option
$15,418
+ PMI applies
Loan Amount (20% dn)
$123,340
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 Saco, MT?
The median home value in Saco is $154,175 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.9% year-over-year.
How much have home prices changed in Saco?
Over the past year, home values in Saco have increased by 0.9%. Over five years, prices have risen approximately 28.9%.
How much do I need to earn to buy a home in Saco?
To comfortably afford the median home price of $154,175 with a 20% down payment ($30,835) at today's rates (6.8%), you'd need a gross annual income of approximately $40,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Saco compare to the national average home price?
The national median home value is approximately $410,000. At $154,175, homes in Saco are 62% below the national average.