Typical home value from Zillow, September 2021 to September 2026: from $192,848 to $229,717.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Havre is in Hill County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hill County. See the county
What this place has that others do not, from public data, most unusual first.
1
Havre has the lowest typical rent of the 26 cities in Montana with more than 5,000 people: $844.
2
Havre has the 3rd lowest typical household income of the 26 cities in Montana with more than 5,000 people ($50,329).
3
Havre has the 3rd lowest typical home value of the 26 cities in Montana with more than 5,000 people ($211,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Havre
What homes there are in Havre, 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
Havre
Hill County
Montana
United States
Kind of home: Havre and its comparisons
Measure
Havre
Hill County
Montana
United States
Detached house
67%
71%
69%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
10%
6%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
10%
19%
Mobile home
9%
14%
9%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Havre, 7 in 10 homes are single-family detached houses; in Hill County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Havre
Hill County
Montana
United States
Year built: Havre and its comparisons
Measure
Havre
Hill County
Montana
United States
Before 1960
46%
39%
26%
26%
1960–1979
35%
35%
23%
24%
1980–1999
9%
15%
23%
25%
2000–2009
5%
5%
14%
14%
2010 or later
6%
6%
14%
11%
Homes in Havre are smaller: 54% have 3 bedrooms or more; in Hill County, 59%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K18%
$100K–$200K28%
$200K–$300K32%
$300K–$500K17%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Havre and its comparisons
Measure
Havre
Under $100K
18%
$100K–$200K
28%
$200K–$300K
32%
$300K–$500K
17%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
By price, most homes in Havre sit under the FHA limit for Hill County ($541,287): about 95%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99955%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Havre and its comparisons
Measure
Havre
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,495 a month
Hill County: $1,528 a month
Without a mortgage
$458 a month
Hill County: $435 a month
Owners with a mortgage
58%
Hill County: 49%
Owning costs about the same in Havre as in Hill County: with a mortgage, $1,495 a month; without one, $458.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Havre+42%
Hill County+41%
Montana+63%
United States+53%
Typical rent
Havre+27%
Hill County+26%
Montana+34%
United States+33%
Typical household income
HavreNo clear change
Hill CountyNo clear change
Montana+32%
United States+29%
Change since 2015–2019: Havre and its comparisons
Measure
Havre
Hill County
Montana
United States
Typical home value
+42%
+41%
+63%
+53%
Typical rent
+27%
+26%
+34%
+33%
Typical household income
No clear change
No clear change
+32%
+29%
From 2015–2019 to 2020–2024, home values in Havre rose at about the same pace as in Hill County: 42% against 41%.
The typical rent in Havre rose 27% since 2015–2019, about the same as in Hill County (26%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Havre and its comparisons
Measure
Havre
Hill County
Montana
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.3%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.8%
3.4%
People per household
2.35
2.53
2.37
2.53
Drive alone
75%
72%
71%
69%
Carpool
11%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
10%
8%
5%
3%
Work from home
Unreliable estimate
5%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Households in Havre are smaller: 2.35 people on average; in Hill County, 2.53.
In Havre, 75% of workers drive alone to work; in Hill County, 72%.
Do the math
What would you pay each month for a home in Havre?
A typical home costs more than the typical income allows
We start with a typical home in Havre, worth $211,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Havre, which is $50,329 a year. For that payment to be 28% of income, a household would need to earn about $75,703 a year.
The calculator's FHA and conventional loan limits are those of all of Hill 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 Havre. 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 $7,410 (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
$1,766
at 7.18% · 30 years
Loan amount
$207,865
Total interest
$299,069
Paid off in
November 2056
Includes $3,575 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,174 a month
Tight
$1,174 to $1,510 a month
Hard
more than $1,510 a month
Your payment · 42%
Compared with the typical household income in Havre ($50,329 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,408
Property tax
$176
Home insurance
$88
FHA mortgage insurance (MIP)
$94
You need at least $7,410 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 $1,766; principal and interest $1,408.
The city and its county
Havre and Hill County
Havre is in Hill 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).
Havre
Map of Hill County, Montana, with Havre marked. Around it, the neighboring counties.
Havre
Hill County
Havre's own numbers
Typical home value
$211,700
Typical monthly rent
$844
Typical yearly household income
$50,329
Households that own their home
68%
Effective property tax rate
1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hill County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,310
Price change over 5 years (FHFA)
+40%
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 Hill County.
A typical home in Havre is worth $211,700: 4% above the county and 44% below Montana. With the typical household income in Havre ($50,329 a year), a typical home costs 4.2 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.
Havre4.2 years
Hill3.8 years
Montana5.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hill County
According to FHFA’s house price index, home prices in Hill County rose 73% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hill County.
Yearly change in FHFA’s price index in Hill County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +4.4% +4.4% 2017
2018: +2.3% +2.3% 2018
2019: +4.4% +4.4% 2019
2020: +4.6% +4.6% 2020
2021: +4.6% +4.6% 2021
2022: +12.5% +12.5% 2022
2023: +7.9% +7.9% 2023
2024: +2.4% +2.4% 2024
2025: +7.9% +7.9% 2025
Change in FHFA’s price index in Hill County, Montana and the United States
Period
County
Montana
U.S.
Last year (2025)
+7.9%
+2.3%
+2.9%
5 years (2020–2025)
+40%
+62%
+47%
10 years (2015–2025)
+73%
+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
Havre next to Hill 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
Havre$211,700
Hill$202,600
Montana$375,800
United States$332,700
Typical monthly rent
Havre$844
Hill$776
Montana$1,081
United States$1,413
Typical yearly household income
Havre$50,329
Hill$52,798
Montana$72,509
United States$80,734
See the full table
Havre next to Hill County and Montana
Measure
Havre
Hill County
Montana
U.S.
Typical home value
$211,700 ▲4% above the county
$202,600
$375,800
$332,700
Typical monthly rent
$844 ▲9% above the county
$776
$1,081
$1,413
Typical yearly household income
$50,329 ▼5% below the county
$52,798
$72,509
$80,734
Households that own their home
68% ▲1 points above the county
66%
69%
65%
Typical yearly property tax
$2,119 ▲7% above the county
$1,980
$2,693
$3,119
Effective property tax rate
1% ▲0.02 points above the county
0.98%
0.72%
0.94%
Renters with high rent for their income
53% ▲14 points above the county
39%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hill 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 Havre
For a typical $211,700 home in Havre, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Havre's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,766a month
Least cash to close
Down payment
$7,410
Cash to close
$13,761
Rate
7.18%
Mortgage insurance
FHA MIP · $94
Conventional, 5% down$1,728a month
Down payment
$10,585
Cash to close
$16,936
Rate
7.18%
Mortgage insurance
PMI · $101
Conventional, 20% down, no PMI$1,412a month
Down payment
$42,340
Cash to close
$48,691
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,608a month
Down payment
$31,755
Cash to close
$38,106
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Havre
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,766
$7,410
$207,866
7.18%
FHA MIP · $94
$13,761
580
Conventional, 5% down
$1,728
$10,585
$201,115
7.18%
PMI · $101
$16,936
620*
Conventional, 20% down, no PMI
$1,412
$42,340
$169,360
7.18%
None
$48,691
620*
ITIN, 15% down (example)
$1,608
$31,755
$179,945
8.18%
None
$38,106
Set by the lender
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.
Typical rent in Havre is $844 a month: 9% above the county. In Havre, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hill County, by unit size. To pay the 2-bedroom one ($1,310 a month) without spending more than 30% of your income, you would need to earn $25.19 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 Hill County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,001
$19.25
$40,040
1 bedroom
$1,077
$20.71
$43,080
2 bedrooms
$1,310
$25.19
$52,400
3 bedrooms
$1,814
$34.88
$72,560
4 bedrooms
$1,925
$37.02
$77,000
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 Havre
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Havre is in ZIP code 59501.
For 2 bedrooms it is $1,320: $10 more than the fair market rent for Hill County ($1,310).
Fair market rent by ZIP code and size in Havre, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
59501
$1,010
$1,080
$1,320
$1,830
$1,940
ZIP code2 bd3 bd
59501 $1,320$1,830
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Havre 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 Hill 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 Havre or Hill County. The ones below are statewide in Montana: they work in Havre 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 Havre or Hill 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 Havre and all of Hill 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 Havre?
The typical home value in Havre is $211,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hill County it is $202,600.
How much does it cost to rent in Havre?
Typical rent in Havre is $844 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hill County is $1,310.
What is the FHA loan limit in Havre?
Havre uses the FHA limit for all of Hill County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Havre?
The typical homeowner in Havre pays $2,119 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in Hill County, the rate is 0.98%.
Where can I find free help to buy or rent in Havre?
We found no HUD-approved counseling agencies with an office in Hill County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
