Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
Missoula mortgage calculator
A median-priced Missoula, MT home at 6.75% over 30 years, with Montana property tax of 0.74% and $2,300 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$3,742 a month, all in
Principal and interest are $3,018; escrow and PMI add the rest. Over the full term the loan costs $621,154 in interest. Discounted at 5%, buying here has a net present value of $-65,333 ($204,183 in today’s dollars).
Within Montana, Missoula is 2nd of the 4 Montana markets covered here, between Bozeman at the top and Great Falls at the bottom of a 2.57x spread. A state-level median hides most of that.
The price-to-rent ratio here is 24.5 ($517,000 to buy, $1,760 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Missoula, not a fallback position.
Missoula carries a premium over the rest of Montana: a median home here runs $517,000, about 10% above the state median of $470,000. The deposit moves with it, so the same 20% down is $103,400 rather than $94,000.
Monthly cost in Missoula vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $517,000 |
|---|---|
| Down payment (10%) | $51,700 |
| Loan amount | $465,300 |
| Principal & interest | $3,018/mo |
| Property tax (0.74%) | $319/mo |
| Homeowners insurance | $192/mo |
| PMI while above 80% LTV | $213/mo |
| Total monthly payment | $3,742/mo |
| Comparable rent | $1,760/mo |
What a rate move does to the Missoula payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $2,642/mo |
| 6% | $2,790/mo |
| 6.5% | $2,941/mo |
| 7% | $3,096/mo |
| 7.5% | $3,253/mo |
| 8% | $3,414/mo |
Rent or buy in Missoula?
Against $1,760 a month in rent, over 7 years renting leaves you about $142,117 better off — $119,558 once 2.5% inflation is stripped out. See the Montana rent-vs-buy page.
Where these numbers come from
Montana medians come from editorial and are refreshed weekly. The Missoula figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.