Español

Este sitio también está en español. Leer en español

City · 9,611 residents · Flathead County, Montana

Evergreen , Montana

In Evergreen, a typical home is worth $340,800 and typical rent is $1,166 a month. Compared with all of Flathead County, the typical home value is 36% lower.

WhatsApp

  • Typical home value

    $340,800

    36% below the county

    9% below Montana

    • Evergreen
    • Flathead
    • Montana

  • Typical rent

    $1,166a month

    2% above the county

    8% above Montana

    • Evergreen
    • Flathead
    • Montana

  • Typical household income

    $76,446a year

    3% above the county

    5% above Montana

    • Evergreen
    • Flathead
    • Montana

  • Households that own their home

    73%

    About the same as the county

    4 points above Montana

    • Evergreen
    • Flathead
    • Montana

Source: U.S. Census Bureau, Average 2020–2024

Evergreen 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Evergreen apart

What this place has that others do not, from public data, most unusual first.

  1. Evergreen has the smallest share of rent-burdened renters of the 21 cities in Montana with more than 5,000 people: 29%.

  2. The typical home in Evergreen is worth $340,800, 36% less than in Flathead County as a whole ($535,500).

  3. Nearby, in Polson, the typical rent is $912: 22% less than in Evergreen ($1,166).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Evergreen

What homes there are in Evergreen, 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

The detached house is still the most common home in Evergreen, but it weighs less than in Flathead County: 55% against 72%.

There are more mobile homes here than in Flathead County: 36% of homes, against 8%.

Year built

By size, homes in Evergreen look like those in Flathead County: 64% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,777 a month

Flathead County: $1,913 a month

Without a mortgage

$533 a month

Flathead County: $594 a month

Owners with a mortgage

67%

Flathead County: 60%

Owning costs less in Evergreen: with a mortgage, the typical cost is $1,777 a month; in Flathead County, $1,913. Without one, $533.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Evergreen rose 77%; in Flathead County, it rose 96%.

Since 2015–2019, the typical rent in Evergreen rose 19%, less than in Flathead County (34%).

While home values in Evergreen changed +77% and rent +19%, the typical household income rose 51%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEvergreenFlathead CountyMontanaUnited States
Rental vacancy Unreliable estimate7.8%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.5%1.8%3.4%
People per household 2.852.472.372.53
Drive alone 78%72%71%69%
Carpool 12%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%5%3%
Work from home Unreliable estimate16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Households in Evergreen are bigger: 2.85 people on average; in Flathead County, 2.47.

More people carpool to work in Evergreen than in Flathead County: 12% against 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Evergreen?

A typical home costs more than the typical income allows

We start with a typical home in Evergreen, worth $340,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Evergreen, which is $76,446 a year. For that payment to be 28% of income, a household would need to earn about $118,461 a year.

The calculator's FHA and conventional loan limits are those of all of Flathead County.

Your numbers

Local data
$

Starts at the typical home value in Evergreen. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,928 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,764

at 7.18% · 30 years

Loan amount
$334,627
Total interest
$481,450
Paid off in
November 2056

Includes $5,755 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,784 a month

  • Tight

    $1,784 to $2,293 a month

  • Hard

    more than $2,293 a month

    Your payment · 43%

Compared with the typical household income in Evergreen ($76,446 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,764
Principal & interest$2,267
Property tax$205
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,928 for the down payment, plus closing costs.

Next step

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.

The city and its county

Evergreen and Flathead County

Evergreen 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).

Evergreen's own numbers

Typical home value
$340,800
Typical monthly rent
$1,166
Typical yearly household income
$76,446
Households that own their home
73%
Effective property tax rate
0.72%

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.

Everything about Flathead County

Buying

Buying a home in Evergreen

A typical home in Evergreen is worth $340,800: 36% below the county and 9% below Montana. With the typical household income in Evergreen ($76,446 a year), a typical home costs 4.5 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.

  • Evergreen 4.5 years
  • Flathead 7.2 years
  • Montana 5.2 years
  • United States 4.1 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.

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

Evergreen 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
  • Evergreen $340,800
  • Flathead $535,500
  • Montana $375,800
  • United States $332,700
Typical monthly rent
  • Evergreen $1,166
  • Flathead $1,142
  • Montana $1,081
  • United States $1,413
Typical yearly household income
  • Evergreen $76,446
  • Flathead $73,925
  • Montana $72,509
  • United States $80,734
See the full table
Evergreen next to Flathead County and Montana
Measure Evergreen Flathead County Montana U.S.
Typical home value $340,800 $535,500 $375,800 $332,700
Typical monthly rent $1,166 $1,142 $1,081 $1,413
Typical yearly household income $76,446 $73,925 $72,509 $80,734
Households that own their home 73% 72% 69% 65%
Typical yearly property tax $2,465 $3,120 $2,693 $3,119
Effective property tax rate 0.72% 0.58% 0.72% 0.94%
Renters with high rent for their income 29% 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 Evergreen

For a typical $340,800 home in Evergreen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Evergreen's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,764a month

    Least cash to close
    Down payment
    $11,928
    Cash to close
    $22,152
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $2,702a month

    Down payment
    $17,040
    Cash to close
    $27,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,193a month

    Down payment
    $68,160
    Cash to close
    $78,384
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,509a month

    Down payment
    $51,120
    Cash to close
    $61,344
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Evergreen and for Flathead County.

Property tax

Effective rate in Evergreen

0.72%of the home’s value each year

$2,465 a year for the typical owner in Evergreen.

  • Evergreen 0.72%
  • Flathead 0.58%
  • Montana 0.72%

What Montana publishes Homestead reduced tax rate for your principal residence (Montana Department of Revenue)

Exemptions and deadlines in Montana

Flood risk in Flathead County

FEMA does not publish these numbers by city: they are for all of Flathead County.

Homes in the high-risk zone
3.6%
1,700
Of those, with NFIP insurance
13%
County Montana U.S.
Homes in the high-risk zone 3.6% 2.6% 3.5%
Of those, with NFIP insurance 13% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Evergreen

Typical rent in Evergreen is $1,166 a month: 2% above the county. In Evergreen, 29% 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.

HUD fair market rent for all of Flathead County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Evergreen

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Evergreen is in ZIP code 59901.

For 2 bedrooms it is $1,650: $32 less than the fair market rent for Flathead County ($1,682).

  • 59901 $1,650$2,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Evergreen 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Evergreen

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Evergreen

No down payment, repair or rent-help program on our list is for Evergreen or Flathead County. The ones below are statewide in Montana: they work in Evergreen the same as in the rest of the state.

Which programs do I qualify for? All programs in Montana

  • Bond Advantage Down Payment Assistance

    Statewide in Montana

    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).

    RepayableDeferred

    See the program Official page

  • Mortgage Credit Certificate (MCC)

    Statewide in Montana

    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).

    Tax credit

    See the program Official page

Housing counselors near Evergreen

The HUD-approved agencies closest to the center of Evergreen, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Homeword, Inc.

    1535 Liberty Ln Ste 116A, Missoula · 94 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (406) 532-4663

  • Rural Dynamics, Inc. DBA CCCS of MT

    2 5th St N, Great Falls · 147 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (406) 403-8162

  • Montana Homeownership Network DBA Neighborworks Montana

    509 1st Ave S, Great Falls · 147 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (406) 604-4540

All counseling agencies in Montana

Help in Spanish near Evergreen

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Evergreen

In HUD’s record, no housing authority with an office in Flathead County is named for Evergreen or Flathead County.

One other authority has an office in Flathead County: see the list Source: HUD

Cities

Other cities in Flathead County

These cities are also in Flathead County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Flathead County Housing in Montana

Nearby cities

The cities closest to Evergreen, with the typical home value.

Neighboring counties

If Flathead County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Evergreen.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Evergreen

Short answers with the numbers for Evergreen 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 Evergreen?

The typical home value in Evergreen is $340,800, 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 Evergreen?

Typical rent in Evergreen is $1,166 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 Evergreen?

Evergreen 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 Evergreen?

The typical homeowner in Evergreen pays $2,465 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Flathead County, the rate is 0.58%.

Where can I find free help to buy or rent in Evergreen?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).