In Bigfork, a typical home is worth $674,600 and typical rent is $1,016 a month. Compared with all of Flathead County, the typical home value is 26% higher, typical household income is 15% higher, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $649,135 to $803,233.
Typical rent
$2,069a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bigfork is in Flathead County. The FHA loan limit ($615,250 for a one-unit home), the fair market rents and the help on this page are those of all of Flathead County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Evergreen, the typical home value is $340,800: 49% less than in Bigfork ($674,600).
2
The typical home in Bigfork is worth $674,600,26% more than in Flathead County as a whole ($535,500).
3
The typical household income in Bigfork is $85,307,15% more than in Flathead County as a whole ($73,925).
4
80% of households in Bigfork own their home, against 72% in Flathead County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bigfork
What homes there are in Bigfork, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bigfork
Flathead County
Montana
United States
Kind of home: Bigfork and its comparisons
Measure
Bigfork
Flathead County
Montana
United States
Detached house
74%
72%
69%
61%
Attached house
5%
5%
5%
6%
Building of 2 to 4
Unreliable estimate
6%
7%
8%
Apartments (5 or more)
Unreliable estimate
9%
10%
19%
Mobile home
4%
8%
9%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Flathead County, most homes in Bigfork are detached houses (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Bigfork
Flathead County
Montana
United States
Year built: Bigfork and its comparisons
Measure
Bigfork
Flathead County
Montana
United States
Before 1960
10%
17%
26%
26%
1960–1979
15%
20%
23%
24%
1980–1999
35%
28%
23%
25%
2000–2009
21%
18%
14%
14%
2010 or later
20%
18%
14%
11%
Here half of the homes date from 1995 or later; in Flathead County, from 1991 or later.
There are fewer big homes in Bigfork than in Flathead County: 58% have 3 bedrooms or more, against 63%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K22%
$500K–$750K25%
$750K–$1M17%
$1M or more26%
Value of owner-occupied homes: Bigfork and its comparisons
Measure
Bigfork
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
22%
$500K–$750K
25%
$750K–$1M
17%
$1M or more
26%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bigfork and its comparisons
Measure
Bigfork
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,196 a month
Flathead County: $1,913 a month
Without a mortgage
$705 a month
Flathead County: $594 a month
Owners with a mortgage
53%
Flathead County: 60%
In Bigfork, 53% of owners have a mortgage, and their typical cost is $2,196 a month, against $1,913 in Flathead County. Without one it drops to $705.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bigfork+85%
Flathead County+96%
Montana+63%
United States+53%
Typical rent
BigforkNo clear change
Flathead County+34%
Montana+34%
United States+33%
Typical household income
Bigfork+42%
Flathead County+32%
Montana+32%
United States+29%
Change since 2015–2019: Bigfork and its comparisons
Measure
Bigfork
Flathead County
Montana
United States
Typical home value
+85%
+96%
+63%
+53%
Typical rent
No clear change
+34%
+34%
+33%
Typical household income
+42%
+32%
+32%
+29%
Homes in Bigfork gained value more slowly than in Flathead County: 85% since 2015–2019, against 96%.
The typical rent in Bigfork stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bigfork and its comparisons
Measure
Bigfork
Flathead County
Montana
United States
Rental vacancy
Unreliable estimate
7.8%
5.3%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.5%
1.8%
3.4%
People per household
2.30
2.47
2.37
2.53
Drive alone
67%
72%
71%
69%
Carpool
7%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
18%
16%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 2.30 on average, against 2.47 in Flathead County.
To get to work, 67% of workers in Bigfork drive alone; in Flathead County, 72%.
Do the math
What would you pay each month for a home in Bigfork?
A typical home costs more than the typical income allows
We start with a typical home in Bigfork, worth $674,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 75% of the typical household income in Bigfork, which is $85,307 a year. For that payment to be 28% of income, a household would need to earn about $229,189 a year. Note: at that price the loan is above the FHA limit for Flathead County ($615,250), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Flathead County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bigfork. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $23,611 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,348
at 7.18% · 30 years
Loan amount
$662,381
Total interest
$953,011
Paid off in
November 2056
Includes $11,392 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,990 a month
Tight
$1,990 to $2,559 a month
Hard
more than $2,559 a month
Your payment · 75%
Compared with the typical household income in Bigfork ($85,307 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,487
Property tax
$281
Home insurance
$281
FHA mortgage insurance (MIP)
$298
This loan is over the FHA limit
You'd borrow $650,989, but the FHA limit for a one-unit home in Bigfork is $615,250. You'd need a bigger down payment or a different loan.
You need at least $23,611 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,348; principal and interest $4,487.
The city and its county
Bigfork and Flathead County
Bigfork is in Flathead County, Montana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bigfork
Map of Flathead County, Montana, with Bigfork marked. Around it, the neighboring counties.
Bigfork
Flathead County
Other cities with a page
Bigfork's own numbers
Typical home value
$674,600
Typical monthly rent
$1,016
Typical yearly household income
$85,307
Households that own their home
80%
Effective property tax rate
0.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Flathead County
FHA limit, one-unit home
$615,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,682
Price change over 5 years (FHFA)
+77%
Homes in a high flood-risk zone
3.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Flathead County.
A typical home in Bigfork is worth $674,600: 26% above the county and 80% above Montana. With the typical household income in Bigfork ($85,307 a year), a typical home costs 7.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bigfork7.9 years
Flathead7.2 years
Montana5.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Flathead County
According to FHFA’s house price index, home prices in Flathead County rose 145% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Flathead County.
Yearly change in FHFA’s price index in Flathead County, 2016 to 2025
2016: +4.9% +4.9% 2016
2017: +9.3% +9.3% 2017
2018: +7.3% +7.3% 2018
2019: +7.3% +7.3% 2019
2020: +4.9% +4.9% 2020
2021: +22.0% +22.0% 2021
2022: +28.2% +28.2% 2022
2023: +5.7% +5.7% 2023
2024: +5.0% +5.0% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Flathead County, Montana and the United States
Period
County
Montana
U.S.
Last year (2025)
+2.0%
+2.3%
+2.9%
5 years (2020–2025)
+77%
+62%
+47%
10 years (2015–2025)
+145%
+105%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bigfork next to Flathead County, Montana and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bigfork$674,600
Flathead$535,500
Montana$375,800
United States$332,700
Typical monthly rent
Bigfork$1,016
Flathead$1,142
Montana$1,081
United States$1,413
Typical yearly household income
Bigfork$85,307
Flathead$73,925
Montana$72,509
United States$80,734
See the full table
Bigfork next to Flathead County and Montana
Measure
Bigfork
Flathead County
Montana
U.S.
Typical home value
$674,600 ▲26% above the county
$535,500
$375,800
$332,700
Typical monthly rent
$1,016 ▼11% below the county
$1,142
$1,081
$1,413
Typical yearly household income
$85,307 ▲15% above the county
$73,925
$72,509
$80,734
Households that own their home
80% ▲7 points above the county
72%
69%
65%
Typical yearly property tax
$3,383 ▲8% above the county
$3,120
$2,693
$3,119
Effective property tax rate
0.5% ▼0.08 points below the county
0.58%
0.72%
0.94%
Renters with high rent for their income
52% ▲2 points above the county
51%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Flathead County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bigfork
For a typical $674,600 home in Bigfork, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bigfork's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,348a month
Above the FHA limit for Flathead County ($615,250)
Down payment
$23,611
Cash to close
$43,849
Rate
7.18%
Mortgage insurance
FHA MIP · $298
Conventional, 5% down$5,224a month
Least cash to close
Down payment
$33,730
Cash to close
$53,968
Rate
7.18%
Mortgage insurance
PMI · $320
Conventional, 20% down, no PMI$4,218a month
Down payment
$134,920
Cash to close
$155,158
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,842a month
Down payment
$101,190
Cash to close
$121,428
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bigfork
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Flathead County ($615,250)
$5,348
$23,611
$662,381
7.18%
FHA MIP · $298
$43,849
580
Conventional, 5% down Least cash to close
$5,224
$33,730
$640,870
7.18%
PMI · $320
$53,968
620*
Conventional, 20% down, no PMI
$4,218
$134,920
$539,680
7.18%
None
$155,158
620*
ITIN, 15% down (example)
$4,842
$101,190
$573,410
8.18%
None
$121,428
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bigfork is $1,016 a month: 11% below the county. In Bigfork, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Flathead County, by unit size. To pay the 2-bedroom one ($1,682 a month) without spending more than 30% of your income, you would need to earn $32.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Flathead County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,277
$24.56
$51,080
1 bedroom
$1,286
$24.73
$51,440
2 bedrooms
$1,682
$32.35
$67,280
3 bedrooms
$2,263
$43.52
$90,520
4 bedrooms
$2,626
$50.50
$105,040
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Bigfork
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bigfork is in ZIP code 59911.
For 2 bedrooms it is $1,760: $78 more than the fair market rent for Flathead County ($1,682).
Fair market rent by ZIP code and size in Bigfork, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
59911
$1,340
$1,350
$1,760
$2,320
$2,660
ZIP code2 bd3 bd
59911 $1,760$2,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bigfork when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Flathead County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Bigfork or Flathead County. The ones below are statewide in Montana: they work in Bigfork the same as in the rest of the state.
Montana Board of Housing loan for up to 5% of the price (maximum $15,000) for the down payment, over 15 years with low payments and the same rate as the bond program's first mortgage; there is also a Plus version, 0% and deferred, for lower incomes.Offered by Montana Board of Housing (Montana Department of Commerce).
Montana Board of Housing certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, up to $2,000 a year, while you live in the home; for first-time buyers, with a loan that is not from another Board program.Offered by Montana Board of Housing (Montana Department of Commerce).
No legal help resource on our list is for Bigfork or Flathead County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bigfork and all of Flathead County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bigfork?
The typical home value in Bigfork is $674,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Flathead County it is $535,500.
How much does it cost to rent in Bigfork?
Typical rent in Bigfork is $1,016 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Flathead County is $1,682.
What is the FHA loan limit in Bigfork?
Bigfork uses the FHA limit for all of Flathead County (2026): $615,250 for a one-unit home and $1,183,200 for a four-unit home.
How much property tax do owners pay in Bigfork?
The typical homeowner in Bigfork pays $3,383 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Flathead County, the rate is 0.58%.
Where can I find free help to buy or rent in Bigfork?
We found no HUD-approved counseling agencies with an office in Flathead County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
