Montana closing cost calculator

In September 2026, the typical value of a Montana home was $467,275, based on the Zillow Home Value Index. Once rounded, the price is $467,000, with a $93,400 down payment and a $373,600 loan amount. The buyer's items add up as follows in that scenario.

Cash at closing is what you hand over on closing day for your down payment and these expenses. Here, the amount comes to $102,207. The largest item on the list is the loan setup fee.

This example shows no other closing-cost lines for the seller beyond what the agent earns in commission and any mortgage payoff. Our data shows no seller-side transfer tax or fees for Montana.

Home prices vary widely across the state. Typical values in September 2026 ran between $277,379 for the least expensive group of homes and $805,123 for the most expensive group. A 20% down payment is used for these estimates, and no commission is assumed.

See an estimate for your home and the cash you may need when you close by adding your price and down payment.

If problems turn up in a property's ownership history, title insurance covers you. In Montana, each insurer sets its own premium. Each company files its rate schedule with the insurance commissioner; it may charge only the filed rate. In our example, the owner's policy costs $1,961.

Page one costs $20 in Liberty County, plus $10 for every page after it; the earlier charge was $8 per page. Yellowstone County publishes that same fee schedule. A one-page deed or mortgage costs $20 to record under that schedule.

A Realty Transfer Certificate form is also required in Montana. At the time the deed is submitted for recording, the county's clerk and recorder must receive this form (form). If a filing is inaccurate or incomplete, it can bring a $500 fine, a jail term of six months, or both.

When you buy land, good news comes with it: water rights used on the property transfer automatically, unless a recorded document reserves or separates those rights. During the sale, the seller completes a water right disclosure.

With 20% down on a $400,000 home, a buyer in Montana faces $7,830 in closing costs. The median across the 50 states and DC is $7,850, which puts Montana $20 below it. At $400,000, a Montana seller pays $0 before commission and any mortgage payoff, compared with $440 in the median state.

Nearby states show these costs for the same $467,000 home:

• Buyer costs in Montana total $8,807; the deed transfer tax comes to $0.
• Idaho buyer costs come to $8,827, with a deed transfer tax of $0.
• Buyer costs in North Dakota total $8,807; the deed transfer tax comes to $0.
• South Dakota buyer costs equal $8,827, and the deed transfer tax equals $467.
• Wyoming buyer costs total $8,767; the deed transfer tax comes to $0.

Our data shows that sellers face no transfer tax and no fees of their own, so any mortgage payoff and commission are the main costs. Nationally, the average commission paid to buyers' agents is 2.42% of the price. We include commission in our calculator only after you give us a rate.

Any gain from the sale counts as Montana-source income under older Realty Transfer Certificate guidance; you report it on the relevant income tax return. To estimate your seller costs, enter your sale price and commission rate; any mortgage payoff is separate.

In Montana, the median property tax bill for an owner-occupied home is $2,693 each year. That figure comes to roughly 0.72% when measured against the median home value. You don't pay property tax as a closing cost, though you should plan ahead; use the calculator with your price to see closing costs and the cash needed on closing day.