Montana Hero Background Image

Montana mortgage rates today

The current 30-year fixed mortgage rate is as low as 5.875%.

Get a personalized quote in just a few minutes.

Rate

5.875%

APR 6.336%

Est. Monthly Payment

$2,130

Apply Now

Rate

5.250%

APR 6.004%

Est. Monthly Payment

$2,894

Apply Now

Rate

5.375%

APR 6.370%

Est. Monthly Payment

$2,016

Apply Now

Rate

5.625%

APR 6.615%

Est. Monthly Payment

$2,258

Apply Now

Rate

5.625%

APR 6.182%

Est. Monthly Payment

$2,098

Apply Now

Last updated: January 23rd 2026, 4:30pm EST. The above rates are current as of January 23rd 2026, 4:36pm EST. The table is updated twice every day with the current mortgage rates.

Montana Mortgage Rates FAQs

What is the average mortgage rate in Montana?

Montana home loan rates or mortgage rates are the interest percentage charged by the loan provider for buying or refinancing any property in the Treasure State. These rates can influence the overall borrowing cost. 

 

What are the current mortgage rates in Montana?

 

You can check the current mortgage rates in Montana in the table provided above. The data is updated two times a day to ensure real-time accuracy. 

How long are mortgage loans in Montana suitable for?

 

The two main mortgage loans in Montana are 30-year and 15-year fixed-rate loans. While the 30-year option has lower monthly payments but higher overall interest, the 15-year option involves higher monthly payments yet leads to substantial long-term savings.

Montana Mortgage Rates FAQs FAQ Image
Blue Circle

Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.