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City · 5,588 residents · Missoula County, Montana

Orchard Homes , Montana

In Orchard Homes, a typical home is worth $553,700 and typical rent is $1,000 a month. Compared with all of Missoula County, the typical home value is 17% higher, typical rent is 16% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $553,700

    17% above the county

    47% above Montana

    • Orchard Homes
    • Missoula
    • Montana

  • Typical rent

    $1,000a month

    16% below the county

    7% below Montana

    • Orchard Homes
    • Missoula
    • Montana

  • Typical household income

    $64,904a year

    14% below the county

    10% below Montana

    • Orchard Homes
    • Missoula
    • Montana

  • Households that own their home

    67%

    8 points above the county

    2 points below Montana

    • Orchard Homes
    • Missoula
    • Montana

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

Orchard Homes is in Missoula County. The FHA loan limit ($598,000 for a one-unit home), the fair market rents and the help on this page are those of all of Missoula County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Orchard Homes apart

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

  1. Nearby, in Butte-Silver Bow, the typical home value is $257,800: 53% less than in Orchard Homes ($553,700).

  2. The typical home in Orchard Homes is worth $553,700, 17% more than in Missoula County as a whole ($472,100).

  3. The typical rent in Orchard Homes is $1,000 a month, 16% less than in Missoula County as a whole ($1,190).

  4. 67% of households in Orchard Homes own their home, against 59% in Missoula County.

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

The homes here

Housing in Orchard Homes

What homes there are in Orchard Homes, 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 houses, standing on their own, make up 66% of homes here, against 58% in Missoula County.

Year built

Homes in Orchard Homes are older: the typical year built is 1975; in Missoula County, 1985.

Homes in Orchard Homes are bigger: 61% have 3 bedrooms or more; in Missoula County, 54%.

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

$2,065 a month

Missoula County: $1,968 a month

Without a mortgage

$677 a month

Missoula County: $708 a month

Owners with a mortgage

56%

Missoula County: 64%

Owning costs about the same in Orchard Homes as in Missoula County: with a mortgage, $2,065 a month; without one, $677.

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

Orchard Homes does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Missoula County the typical home value rose 66%.

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

MeasureOrchard HomesMissoula CountyMontanaUnited States
Rental vacancy Unreliable estimate3.8%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.5%1.8%3.4%
People per household 2.352.232.372.53
Drive alone 71%69%71%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate6%5%3%
Work from home Unreliable estimate15%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Orchard Homes has 2.35 people, more than in Missoula County (2.23).

In Orchard Homes, 71% of workers drive alone to work; in Missoula County, 69%.

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 Orchard Homes?

A typical home costs more than the typical income allows

We start with a typical home in Orchard Homes, worth $553,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 83% of the typical household income in Orchard Homes, which is $64,904 a year. For that payment to be 28% of income, a household would need to earn about $193,453 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Orchard Homes. 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 $19,380 (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

$4,514

at 7.18% · 30 years

Loan amount
$543,671
Total interest
$782,214
Paid off in
November 2056

Includes $9,351 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,514 a month

  • Tight

    $1,514 to $1,947 a month

  • Hard

    more than $1,947 a month

    Your payment · 83%

Compared with the typical household income in Orchard Homes ($64,904 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,514
Principal & interest$3,683
Property tax$355
Home insurance$231
FHA mortgage insurance (MIP)$245

You need at least $19,380 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

Orchard Homes and Missoula County

Orchard Homes is in Missoula 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).

Orchard Homes's own numbers

Typical home value
$553,700
Typical monthly rent
$1,000
Typical yearly household income
$64,904
Households that own their home
67%
Effective property tax rate
0.77%

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

Numbers for all of Missoula County

FHA limit, one-unit home
$598,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,690
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
2.1%

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 Missoula County.

Everything about Missoula County

Buying

Buying a home in Orchard Homes

A typical home in Orchard Homes is worth $553,700: 17% above the county and 47% above Montana. With the typical household income in Orchard Homes ($64,904 a year), a typical home costs 8.5 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.

  • Orchard Homes 8.5 years
  • Missoula 6.2 years
  • Montana 5.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Missoula County

According to FHFA’s house price index, home prices in Missoula County rose 122% in the 10 years through 2025.

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

Period County Montana U.S.
Last year (2025) +1.7% +2.3% +2.9%
5 years (2020–2025) +69% +62% +47%
10 years (2015–2025) +122% +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

Orchard Homes next to Missoula 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
  • Orchard Homes $553,700
  • Missoula $472,100
  • Montana $375,800
  • United States $332,700
Typical monthly rent
  • Orchard Homes $1,000
  • Missoula $1,190
  • Montana $1,081
  • United States $1,413
Typical yearly household income
  • Orchard Homes $64,904
  • Missoula $75,598
  • Montana $72,509
  • United States $80,734
See the full table
Orchard Homes next to Missoula County and Montana
Measure Orchard Homes Missoula County Montana U.S.
Typical home value $553,700 $472,100 $375,800 $332,700
Typical monthly rent $1,000 $1,190 $1,081 $1,413
Typical yearly household income $64,904 $75,598 $72,509 $80,734
Households that own their home 67% 59% 69% 65%
Typical yearly property tax $4,279 $4,150 $2,693 $3,119
Effective property tax rate 0.77% 0.88% 0.72% 0.94%
Renters with high rent for their income 32% 48% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Missoula 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 Orchard Homes

For a typical $553,700 home in Orchard Homes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orchard Homes's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,514a month

    Least cash to close
    Down payment
    $19,380
    Cash to close
    $35,991
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $245

  • Conventional, 5% down $4,412a month

    Down payment
    $27,685
    Cash to close
    $44,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $263

  • Conventional, 20% down, no PMI $3,587a month

    Down payment
    $110,740
    Cash to close
    $127,351
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,099a month

    Down payment
    $83,055
    Cash to close
    $99,666
    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 Orchard Homes and for Missoula County.

Property tax

Effective rate in Orchard Homes

0.77%of the home’s value each year

$4,279 a year for the typical owner in Orchard Homes.

  • Orchard Homes 0.77%
  • Missoula 0.88%
  • 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 Missoula County

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

Homes in the high-risk zone
2.1%
944
Of those, with NFIP insurance
14%
County Montana U.S.
Homes in the high-risk zone 2.1% 2.6% 3.5%
Of those, with NFIP insurance 14% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Orchard Homes

Typical rent in Orchard Homes is $1,000 a month: 16% below the county. In Orchard Homes, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Missoula County, by unit size. To pay the 2-bedroom one ($1,690 a month) without spending more than 30% of your income, you would need to earn $32.50 an hour working full time.

HUD fair market rent for all of Missoula 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 $1,177 $22.63 $47,080
1 bedroom $1,433 $27.56 $57,320
2 bedrooms $1,690 $32.50 $67,600
3 bedrooms $2,340 $45.00 $93,600
4 bedrooms $2,825 $54.33 $113,000

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 Orchard Homes

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orchard Homes is in ZIP code 59804.

For 2 bedrooms it is $1,750: $60 more than the fair market rent for Missoula County ($1,690).

  • 59804 $1,750$2,420

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

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 Missoula County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Orchard Homes

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

The HUD-approved agencies closest to the center of Orchard Homes, 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 · 3 miles away

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

  • Headwaters RC&D Area, Inc.

    65 E Broadway St, Butte · 93 miles away

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

  • Rocky Mountain Development Council

    200 S Cruse Ave, Helena · 98 miles away

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

Every agency in Missoula County All counseling agencies in Montana

Help in Spanish near Orchard Homes

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 Orchard Homes

In HUD’s record, no housing authority with an office in Missoula County is named for Orchard Homes or Missoula County.

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

Cities

Other cities in Missoula County

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

Everything about Missoula County Housing in Montana

Nearby cities

The cities closest to Orchard Homes, with the typical home value.

Neighboring counties

If Missoula 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 Orchard Homes.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Orchard Homes

Short answers with the numbers for Orchard Homes and all of Missoula 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 Orchard Homes?

The typical home value in Orchard Homes is $553,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Missoula County it is $472,100.

How much does it cost to rent in Orchard Homes?

Typical rent in Orchard Homes is $1,000 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Missoula County is $1,690.

What is the FHA loan limit in Orchard Homes?

Orchard Homes uses the FHA limit for all of Missoula County (2026): $598,000 for a one-unit home and $1,150,000 for a four-unit home.

How much property tax do owners pay in Orchard Homes?

The typical homeowner in Orchard Homes pays $4,279 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Missoula County, the rate is 0.88%.

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

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