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City · 5,791 residents · Gallatin County, Montana

Four Corners , Montana

In Four Corners, a typical home is worth $648,400 and typical rent is $1,338 a month. Compared with all of Gallatin County, typical rent is 21% lower, typical household income is 8% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $648,400

    3% below the county

    73% above Montana

    • Four Corners
    • Gallatin
    • Montana

  • Typical rent

    $1,338a month

    21% below the county

    24% above Montana

    • Four Corners
    • Gallatin
    • Montana

  • Typical household income

    $100,917a year

    8% above the county

    39% above Montana

    • Four Corners
    • Gallatin
    • Montana

  • Households that own their home

    78%

    16 points above the county

    8 points above Montana

    • Four Corners
    • Gallatin
    • Montana

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

Four Corners is in Gallatin County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Gallatin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Four Corners apart

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

  1. Four Corners has the highest typical household income of the 26 cities in Montana with more than 5,000 people: $100,917.

  2. Nearby, in Butte-Silver Bow, the typical home value is $257,800: 60% less than in Four Corners ($648,400).

  3. Nearby, in Butte-Silver Bow, the typical rent is $856: 36% less than in Four Corners ($1,338).

  4. 78% of households in Four Corners own their home, against 61% in Gallatin County.

  5. The typical rent in Four Corners is $1,338 a month, 21% less than in Gallatin County as a whole ($1,694).

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

The homes here

Housing in Four Corners

What homes there are in Four Corners, 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 the most common home in Four Corners: 60% of homes, near the figure in Gallatin County (58%).

Year built

Here half of the homes date from 2010 or later; in Gallatin County, from 1998 or later.

Homes in Four Corners are bigger: 71% have 3 bedrooms or more; in Gallatin County, 65%.

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

$2,522 a month

Gallatin County: $2,299 a month

Without a mortgage

$665 a month

Gallatin County: $750 a month

Owners with a mortgage

61%

Gallatin County: 63%

In Four Corners, 61% of owners have a mortgage, and their typical cost is $2,522 a month, against $2,299 in Gallatin County. Without one it drops to $665.

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

The typical home value in Four Corners rose 64% since 2015–2019, less than in Gallatin County (87%).

Rent in Four Corners moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureFour CornersGallatin CountyMontanaUnited States
Rental vacancy Unreliable estimate6.2%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.0%1.8%3.4%
People per household 2.712.332.372.53
Drive alone 74%69%71%69%
Carpool Unreliable estimate7%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate7%5%3%
Work from home 20%16%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.71 on average, against 2.33 in Gallatin County.

Many people here do not commute at all: 20% work from home; in Gallatin County, 16%.

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 Four Corners?

A typical home costs more than the typical income allows

We start with a typical home in Four Corners, worth $648,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Four Corners, which is $100,917 a year. For that payment to be 28% of income, a household would need to earn about $221,909 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Four Corners. 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 $22,694 (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

$5,178

at 7.18% · 30 years

Loan amount
$636,656
Total interest
$915,998
Paid off in
November 2056

Includes $10,950 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,355 a month

  • Tight

    $2,355 to $3,028 a month

  • Hard

    more than $3,028 a month

    Your payment · 62%

Compared with the typical household income in Four Corners ($100,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,178
Principal & interest$4,313
Property tax$308
Home insurance$270
FHA mortgage insurance (MIP)$287

You need at least $22,694 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

Four Corners and Gallatin County

Four Corners is in Gallatin 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).

Four Corners's own numbers

Typical home value
$648,400
Typical monthly rent
$1,338
Typical yearly household income
$100,917
Households that own their home
78%
Effective property tax rate
0.57%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Gallatin County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,109
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
2.3%

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 Gallatin County.

Everything about Gallatin County

Buying

Buying a home in Four Corners

A typical home in Four Corners is worth $648,400: 3% below the county and 73% above Montana. With the typical household income in Four Corners ($100,917 a year), a typical home costs 6.4 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.

  • Four Corners 6.4 years
  • Gallatin 7.1 years
  • Montana 5.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gallatin County

According to FHFA’s house price index, home prices in Gallatin County rose 140% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Gallatin County.

Period County Montana U.S.
Last year (2025) +0.1% +2.3% +2.9%
5 years (2020–2025) +65% +62% +47%
10 years (2015–2025) +140% +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

Four Corners next to Gallatin 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
  • Four Corners $648,400
  • Gallatin $667,600
  • Montana $375,800
  • United States $332,700
Typical monthly rent
  • Four Corners $1,338
  • Gallatin $1,694
  • Montana $1,081
  • United States $1,413
Typical yearly household income
  • Four Corners $100,917
  • Gallatin $93,528
  • Montana $72,509
  • United States $80,734
See the full table
Four Corners next to Gallatin County and Montana
Measure Four Corners Gallatin County Montana U.S.
Typical home value $648,400 $667,600 $375,800 $332,700
Typical monthly rent $1,338 $1,694 $1,081 $1,413
Typical yearly household income $100,917 $93,528 $72,509 $80,734
Households that own their home 78% 61% 69% 65%
Typical yearly property tax $3,682 $3,933 $2,693 $3,119
Effective property tax rate 0.57% 0.59% 0.72% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gallatin 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 Four Corners

For a typical $648,400 home in Four Corners, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Four Corners's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,178a month

    Least cash to close
    Down payment
    $22,694
    Cash to close
    $42,146
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $287

  • Conventional, 5% down $5,059a month

    Down payment
    $32,420
    Cash to close
    $51,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $308

  • Conventional, 20% down, no PMI $4,092a month

    Down payment
    $129,680
    Cash to close
    $149,132
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,692a month

    Down payment
    $97,260
    Cash to close
    $116,712
    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 Four Corners and for Gallatin County.

Property tax

Effective rate in Four Corners

0.57%of the home’s value each year

$3,682 a year for the typical owner in Four Corners.

  • Four Corners 0.57%
  • Gallatin 0.59%
  • 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 Gallatin County

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

Homes in the high-risk zone
2.3%
975
Of those, with NFIP insurance
20%
County Montana U.S.
Homes in the high-risk zone 2.3% 2.6% 3.5%
Of those, with NFIP insurance 20% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Four Corners

Typical rent in Four Corners is $1,338 a month: 21% below the county.

HUD publishes a fair market rent for all of Gallatin County, by unit size. To pay the 2-bedroom one ($2,109 a month) without spending more than 30% of your income, you would need to earn $40.56 an hour working full time.

HUD fair market rent for all of Gallatin 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 $1,469 $28.25 $58,760
1 bedroom $1,612 $31.00 $64,480
2 bedrooms $2,109 $40.56 $84,360
3 bedrooms $2,920 $56.15 $116,800
4 bedrooms $3,487 $67.06 $139,480

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 Four Corners

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Four Corners is in ZIP code 59718.

For 2 bedrooms it is $2,380: $271 more than the fair market rent for Gallatin County ($2,109).

  • 59718 $2,380$3,300

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Four Corners 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 Four Corners

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.

There is 1 HUD-approved agency with an office in Gallatin County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Four Corners

No down payment, repair or rent-help program on our list is for Four Corners or Gallatin County. The ones below are statewide in Montana: they work in Four Corners 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 Four Corners

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

  • Human Resource Development Council of District Ix, Inc.

    32 S Tracy Ave, Bozeman · 7 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (406) 585-4895

  • Headwaters RC&D Area, Inc.

    65 E Broadway St, Butte · 69 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 2 more
    (406) 533-6784

  • Rocky Mountain Development Council

    200 S Cruse Ave, Helena · 75 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (406) 447-1680

Every agency in Gallatin County All counseling agencies in Montana

Help in Spanish near Four Corners

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 Four Corners

HUD lists no housing authority with an office in Gallatin County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Montana Source: HUD

Cities

Other cities in Gallatin County

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

Everything about Gallatin County Housing in Montana

Nearby cities

The cities closest to Four Corners, with the typical home value.

Neighboring counties

If Gallatin 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 Four Corners.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Four Corners

Short answers with the numbers for Four Corners and all of Gallatin 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 Four Corners?

The typical home value in Four Corners is $648,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gallatin County it is $667,600.

How much does it cost to rent in Four Corners?

Typical rent in Four Corners is $1,338 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gallatin County is $2,109.

What is the FHA loan limit in Four Corners?

Four Corners uses the FHA limit for all of Gallatin County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.

How much property tax do owners pay in Four Corners?

The typical homeowner in Four Corners pays $3,682 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Gallatin County, the rate is 0.59%.

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

There is 1 HUD-approved counseling agency with an office in Gallatin County. 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).