Mortgage Rates in White Sulphur Springs, Montana — March 2026
Updated March 2026 | Based on White Sulphur Springs market data and regional lending conditions
White Sulphur Springs is a smaller Montana community of 23,454 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.64% (0.01% below the national average). The median home price of $385,000 translates to roughly $2,222/month with 20% down — requiring an income of about $95,229, which exceeds the local median of $53,500.
Current Mortgage Rates in White Sulphur Springs, MT
Below are the current average mortgage rates available in the White Sulphur Springs area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
White Sulphur Springs Housing Market Overview
Housing in White Sulphur Springs sits near the national average at $385,000. With a median household income of $53,500 and a cost of living index of 89.4, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for White Sulphur Springs
Based on the median home price of $385,000 with 20% down ($77,000), here is what you can expect to pay monthly in White Sulphur Springs:
15-Year vs. 30-Year Mortgage in White Sulphur Springs
Choosing a 15-year mortgage in White Sulphur Springs at 5.9% instead of a 30-year at 6.64% would save you $246,240 in total interest over the life of the loan. However, your monthly payment would be $2,582 instead of $1,975 — an increase of $607 per month.
Calculate Your White Sulphur Springs Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in White Sulphur Springs
What are the current mortgage rates in White Sulphur Springs, MT?
As of March 2026, the average 30-year fixed mortgage rate in White Sulphur Springs, Montana is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in White Sulphur Springs?
Based on the median home price of $385,000 with 20% down, the estimated monthly mortgage payment in White Sulphur Springs is $1,975 for principal and interest. Including property taxes of $247/month, the total monthly housing cost is approximately $2,222.
What income do I need to buy a home in White Sulphur Springs?
Using the 28% rule, you would need an annual income of approximately $95,229 to afford the median-priced home in White Sulphur Springs at $385,000. The median household income in White Sulphur Springs is $53,500. This means most households would need to either earn above the median or consider homes below $385,000.
Is White Sulphur Springs a good place to buy a home in 2026?
White Sulphur Springs offers a below-average cost of living with a cost of living index of 89.4 (national average = 100). The property tax rate in Montana is 0.77%, which is below the national average. White Sulphur Springs has a population of 23,454 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the White Sulphur Springs, Montana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.