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Montana House Hack Calculator

House hacking means living in one unit and renting the rest. Pre-filled with Montana median prices, rents, and tax rates. See your effective housing cost after rental income and savings versus renting.

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Property & Financing

Units & Rental Income(Montana defaults)

Monthly Rental Income$3,269

Operating Expenses(Montana defaults)

Total Monthly Expenses$940

Rent Comparison

Monthly Savings vs. Renting$729

Montana Market Context

Avg Cap Rate

5%

Median Price

$523K

Property Tax

0.59%

Vacancy Rate

4.2%

Local Factors

  • -Bozeman and Missoula saw massive price appreciation from remote worker migration
  • -No state sales tax but property values have risen sharply
  • -Seasonal tourism in resort areas creates short-term rental opportunities

Effective Housing Cost

$977

Good
Monthly Mortgage$3,306
Monthly Expenses$940
Total Monthly Cost$4,246
Rental Income− $3,269
Cost Coverage77.0%
Annual Savings vs. Rent$8,746
Cash on Cash Return-44.8%

Who Covers Your Costs

COVERAGE77%
Rental Income$3,269
Your Cost$977

What does this mean?

Solid house hack. Your effective housing cost is well below typical market rent. You're building equity while keeping monthly costs manageable.

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