Buy / Affordability Estimator
How Much Home Can You Afford?
Plug in your income, debts, and down payment to estimate your buying power in the Gallatin Valley — with local tax rates built in.
Your Finances
$120,000
$30,000$500,000
$500
$0$5,000
$100,000
$0$500,000
36%
20%50%
Loan Details
6.88%
3%10%
0.83%
0.3%1.5%
$1,800
$600$5,000
$0
$0$1,000
You could afford up to
$496,000
$396,000 loan + $100,000 down
Monthly Payment Breakdown
Principal & Interest
$2,601Property Tax
$343Insurance
$150Debt-to-Income Ratio
0%36% ideal43% max60%
Your DTI: 35.9%
Housing: $3,095 + Debts: $500 = $3,595 of $10,000 income
Areas in Your Budget
Bozeman MidtownEstablished neighborhoods, good schools
$450K - $900KWest Bozeman / Four CornersNewer construction, more space
$400K - $800KBelgradeMore affordable, growing community
$350K - $650KLivingstonArtists' town, Paradise Valley access
$300K - $700KManhattan / Three ForksSmall town, most affordable
$275K - $550KEstimates based on Gallatin County defaults. Not a loan pre-approval. Consult a lender for your actual buying power.