Rental DSCR · Montana
Where rent covers the loan in Montana
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 22 of 56 Montana counties (39%). The typical Montana county has a DSCR of 0.87. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Silver Bow County at 1.07, Cascade County at 1.02 and Yellowstone County at 0.91.
The biggest rental markets
In Montana’s largest rental markets, the rent falls short of the payment in Missoula County (DSCR 0.76, break-even 4.0%), Yellowstone County (DSCR 0.91, break-even 5.9%) and Gallatin County (DSCR 0.73, break-even under 4%).
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Every Montana county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Wibaux County* | 127 | $1,364 | $100,700 | 2.13 | 19.4% |
| 2 | Big Horn County* | 1,274 | $1,545 | $129,600 | 1.79 | 16.3% |
| 3 | McCone County | 81 | $2,037 | $201,400 | 1.65 | 14.1% |
| 4 | Roosevelt County | 1,032 | $1,040 | $113,600 | 1.33 | 11.2% |
| 5 | Dawson County* | 1,016 | $1,411 | $163,100 | 1.31 | 10.8% |
| 6 | Liberty County* | 265 | $1,344 | $159,700 | 1.31 | 10.7% |
| 7 | Custer County | 1,518 | $1,729 | $212,300 | 1.27 | 10.2% |
| 8 | Golden Valley County* | 71 | $1,508 | $199,600 | 1.25 | 9.9% |
| 9 | Fergus County* | 1,943 | $1,810 | $236,700 | 1.25 | 9.9% |
| 10 | Prairie County* | 88 | $1,322 | $167,500 | 1.25 | 9.9% |
| 11 | Valley County* | 635 | $1,381 | $170,300 | 1.23 | 9.8% |
| 12 | Daniels County | 124 | $1,362 | $178,400 | 1.20 | 9.5% |
| 13 | Sheridan County* | 416 | $988 | $121,500 | 1.20 | 9.6% |
| 14 | Garfield County | 120 | $1,122 | $154,200 | 1.18 | 9.1% |
| 15 | Toole County | 683 | $1,466 | $205,900 | 1.13 | 8.6% |
| 16 | Musselshell County* | 321 | $1,374 | $202,000 | 1.13 | 8.5% |
| 17 | Rosebud County* | 1,116 | $1,254 | $182,100 | 1.11 | 8.3% |
| 18 | Carter County* | 227 | $1,196 | $182,000 | 1.10 | 8.1% |
| 19 | Petroleum County* | 60 | $1,236 | $186,900 | 1.08 | 8.0% |
| 20 | Silver Bow County | 4,499 | $1,754 | $259,500 | 1.07 | 7.9% |
| 21 | Cascade County | 11,207 | $1,727 | $273,700 | 1.02 | 7.2% |
| 22 | Treasure County* | 114 | $1,290 | $213,300 | 1.00 | 7.0% |
| 23 | Richland County | 1,454 | $1,404 | $238,200 | 0.96 | 6.6% |
| 24 | Wheatland County* | 216 | $1,031 | $176,300 | 0.96 | 6.5% |
| 25 | Deer Lodge County | 1,206 | $1,437 | $250,800 | 0.93 | 6.2% |
| 26 | Yellowstone County | 21,238 | $1,860 | $336,700 | 0.91 | 5.9% |
| 27 | Lewis and Clark County | 9,338 | $2,176 | $412,400 | 0.87 | 5.4% |
| 28 | Blaine County | 782 | $857 | $144,200 | 0.87 | 5.2% |
| 29 | Broadwater County* | 343 | $2,090 | $414,400 | 0.86 | 5.4% |
| 30 | Pondera County* | 732 | $1,020 | $194,100 | 0.84 | 4.9% |
| 31 | Powder River County* | 150 | $921 | $185,300 | 0.80 | 4.5% |
| 32 | Teton County* | 604 | $1,380 | $284,200 | 0.80 | 4.4% |
| 33 | Hill County* | 2,105 | $956 | $188,200 | 0.79 | 4.2% |
| 34 | Powell County* | 668 | $1,414 | $305,200 | 0.77 | 4.1% |
| 35 | Missoula County | 21,701 | $2,257 | $484,600 | 0.76 | 4.0% |
| 36 | Madison County* | 712 | $1,966 | $453,000 | 0.76 | 4.1% |
| 37 | Stillwater County | 651 | $1,591 | $358,600 | 0.75 | Under 4% |
| 38 | Fallon County* | 360 | $1,075 | $241,100 | 0.75 | Under 4% |
| 39 | Park County | 2,556 | $2,041 | $476,300 | 0.73 | Under 4% |
| 40 | Gallatin County | 19,945 | $2,793 | $654,600 | 0.73 | Under 4% |
| 41 | Meagher County* | 228 | $1,171 | $269,700 | 0.72 | Under 4% |
| 42 | Glacier County* | 1,557 | $781 | $171,400 | 0.72 | Under 4% |
| 43 | Lincoln County* | 2,032 | $1,332 | $314,900 | 0.72 | Under 4% |
| 44 | Beaverhead County* | 1,435 | $1,313 | $310,500 | 0.70 | Under 4% |
| 45 | Sweet Grass County | 315 | $1,316 | $322,600 | 0.70 | Under 4% |
| 46 | Carbon County | 1,026 | $1,618 | $415,600 | 0.67 | Under 4% |
| 47 | Flathead County | 12,225 | $2,087 | $537,600 | 0.66 | Under 4% |
| 48 | Ravalli County | 3,849 | $1,822 | $487,400 | 0.65 | Under 4% |
| 49 | Jefferson County | 790 | $1,686 | $448,900 | 0.64 | Under 4% |
| 50 | Lake County | 3,138 | $1,577 | $415,800 | 0.64 | Under 4% |
| 51 | Granite County* | 335 | $1,266 | $346,000 | 0.62 | Under 4% |
| 52 | Judith Basin County* | 251 | $795 | $221,100 | 0.61 | Under 4% |
| 53 | Sanders County | 1,020 | $1,085 | $341,600 | 0.54 | Under 4% |
| 54 | Mineral County* | 406 | $1,051 | $367,600 | 0.49 | Under 4% |
| 55 | Chouteau County* | 687 | $438 | $198,400 | 0.35 | Under 4% |
| 56 | Phillips County* | 467 | $362 | $169,900 | 0.34 | Under 4% |
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
Questions
In how many Montana counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 22 of 56 Montana counties (39%). The typical Montana county has a DSCR of 0.87. Move the example rate and the count changes: 25 counties cover at 6%, 22 at 7% and 19 at 8%.
Where in Montana does rent go furthest against the payment?
Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Silver Bow County at 1.07, Cascade County at 1.02 and Yellowstone County at 0.91.
Do Montana’s biggest rental markets cover the payment?
In Montana’s largest rental markets, the rent falls short of the payment in Missoula County (DSCR 0.76, break-even 4.0%), Yellowstone County (DSCR 0.91, break-even 5.9%) and Gallatin County (DSCR 0.73, break-even under 4%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
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