Helena Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Helena averaged 6.81% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.63% and one month ago for the week of 2025-01-09, the average rate was 6.77%.

    Helena's average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.37%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Helena 30 Year Fixed Rate 2025-02-13 6.81%
    Helena 30 Year Fixed Rate Refi 2025-02-13 7.37%
    Helena 15 Year Fixed Rate 2025-02-13 6.19%
    Helena 15 Year Fixed Rate Refi 2025-02-13 5.99%
    Helena 30 Year FHA 2025-02-13 6.07%
    Helena 30 Year FHA Refi 2025-02-13 6.72%
    Helena 30 Year USDA 2025-02-13 6.53%
    Helena 30 Year USDA Refi 2025-02-13 6.63%
    Helena 30 Year VA 2025-02-13 6.03%
    Helena 30 Year VA Refi 2025-02-13 6.43%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Helena, MT.

    Helena Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Helena, MT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Opportunity Bank of Montana 131 6.80% $5,978
    Glacier Bank 66 6.80% $7,219
    MANN FINANCIAL INC. 50 6.92% $7,213
    Stockman Bank of Montana 41 6.63% $8,005
    QUICKEN LOANS, LLC 35 6.92% $7,550
    U.S. Bank 30 6.49% $5,387
    GUARANTEED RATE, INC. 26 6.40% $11,058
    First Interstate Bank 22 6.29% $6,317
    UNITED WHOLESALE MORTGAGE, LLC 21 6.31% $6,765
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 7.05% $7,929
    Prosperity Home Mortgage, LLC 8 7.19% $7,865
    CRESCENT MORTGAGE COMPANY 8 6.89% $8,363
    Wells Fargo Bank 6 6.35% $6,653
    JPMorgan Chase Bank 6 6.88% $5,478
    CHURCHILL MORTGAGE CORPORATION 5 6.98% $9,005
    LOANDEPOT.COM, LLC 5 6.77% $6,725
    Truist 5 5.88% $5,008
    Morgan Stanley Private Bank 5 6.10% $3,625
    AMCAP MORTGAGE, LTD. 4 7.09% $8,630
    GUILD MORTGAGE COMPANY 4 7.28% $6,571
    CALCON MUTUAL MORTGAGE LLC 4 6.53% $9,608
    PREMIA MORTGAGE, LLC 4 6.44% $5,188
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 7.12% $11,130
    Flanagan State Bank 3 6.92% $3,053
    CMG MORTGAGE, INC. 3 7.06% $13,088
    NEWREZ LLC 3 6.96% $8,098
    Ixonia Bank 3 7.04% $14,728
    CORNERSTONE HOME LENDING, INC. 3 6.83% $11,924
    Mortgage Research Center, LLC 2 6.81% $5,735
    AMERISAVE MORTGAGE CORPORATION 2 5.87% $9,103
    Bank of America 2 6.88% $6,114
    BMO Harris Bank 2 6.13% $4,692
    BROKER SOLUTIONS, INC. 2 6.75% $8,465
    CROSSCOUNTRY MORTGAGE, LLC 2 6.54% $9,238
    FBC MORTGAGE, LLC 2 6.69% $6,088
    FIRST COLONY MORTGAGE CORPORATION 2 6.69% $8,537
    Flagstar Bank, FSB 2 7.00% $4,828
    HORIZON 2 6.94% $5,605
    LAKEVIEW LOAN SERVICING, LLC 2 6.43% $8,071
    21ST MORTGAGE CORPORATION 2 7.78% $5,275
    Mr. Cooper ( Nationstar Mortgage ) 2 7.00% $13,510
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $4,020
    Northpointe Bank 2 8.06% $7,879
    Sierra Pacific Mortgage Company, Inc. 2 6.75% $6,730
    Umpqua Bank 1 6.88% $4,132
    DIRECTORS MORTGAGE, INC. 1 7.50% $10,570
    DIRECT MORTGAGE, CORP. 1 6.63% $5,848
    MEGASTAR FINANCIAL CORP. 1 7.63% $4,417
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 8.00% $11,042
    MORTGAGE 1 INCORPORATED 1 7.63% $12,887
    AMERICAN FINANCING CORPORATION 1 6.88% $8,941
    MOVEMENT MORTGAGE, LLC 1 6.99% $3,573
    USAA Federal Savings Bank 1 6.88% $5,436
    American Bank Center 1 6.25% $6,997
    NAVY FEDERAL CREDIT UNION 1 7.25% $2,913
    NBKC BANK 1 6.00% $2,246
    Chicago Mortgage Solutions LLC 1 6.07% $4,364
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.88% $4,354
    Century Mortgage Company DBA Century Lending Company 1 6.38% $6,491
    Paramount Residential Mortgage Group, Inc. 1 6.50% $6,497
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $3,573
    CARDINAL FINANCIAL 1 6.50% $14,147
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $19,632
    AXIA FINANCIAL, LLC 1 7.25% $4,836
    Ameris Bank 1 5.63% $10,571
    Raymond James Bank 1 4.88% $3,233
    RBC Bank, (Georgia) 1 6.75% $2,251
    Ally Bank 1 5.88% $2,585
    SIRVA MORTGAGE, INC. 1 6.63% $1,227
    Stifel Bank and Trust 1 5.63% $2,584
    American Mortgage & Equity Consultants, Inc. 1 6.88% $9,216
    Sunflower Bank 1 7.13% $6,062
    The Central Trust Bank 1 6.13% $2,548
    The Huntington National Bank 1 6.50% $4,841
    GoPrime Mortgage, Inc. 1 6.62% $18,957
    FREEDOM MORTGAGE CORPORATION 1 6.38% $9,433
    First Western Trust Bank 1 6.13% $4,501
    AMERICAN INTERNET MORTGAGE, INC. 1 6.63% $3,147
    Encompass Lending Group, LP 1 7.88% $7,259
    Discover Bank 1 6.74% $0
    KINECTA 1 5.50% $5,287

    Helena Average Closing Costs & Other Stats

    Helena, MT's 81 lenders originated 1,525 loans during 2023. The total origination value was $414,675,000, with an average loan value of $271,918.

    Helena's average closing costs are $6,046.

    The top Helena lender as defined by loan originations is Opportunity Bank of Montana, with 131 loans originated. Their average total fees are $5,978, which is $1,240 lower than the next largest lender, Glacier Bank.

    The lowest fee Helena lenders (with over 10 loans originated) are U.S. Bank ($5,387), Opportunity Bank of Montana ($5,978), First Interstate Bank ($6,317), UNITED WHOLESALE MORTGAGE, LLC ($6,765) and MANN FINANCIAL INC. ($7,213).

    The lowest rate Helena lenders (with over 10 loans originated) are First Interstate Bank (6.29%), UNITED WHOLESALE MORTGAGE, LLC (6.31%), GUARANTEED RATE, INC. (6.40%), U.S. Bank (6.49%) and Stockman Bank of Montana (6.63%).

    Helena, MT Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Opportunity Bank of Montana $133,345,000 $77,255,000 -42.1% 18.6%
    Glacier Bank $79,370,000 $49,600,000 -37.5% 12.0%
    MANN FINANCIAL INC. $52,025,000 $30,820,000 -40.8% 7.4%
    Stockman Bank of Montana $41,495,000 $29,930,000 -27.9% 7.2%
    QUICKEN LOANS, LLC $30,290,000 $19,770,000 -34.7% 4.8%
    GUARANTEED RATE, INC. $24,305,000 $17,785,000 -26.8% 4.3%
    First Interstate Bank $62,065,000 $16,565,000 -73.3% 4.0%
    U.S. Bank $20,120,000 $16,000,000 -20.5% 3.9%
    UNITED WHOLESALE MORTGAGE, LLC $11,995,000 $15,000,000 25.1% 3.6%
    Mortgage Research Center, LLC $8,770,000 $9,410,000 7.3% 2.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,370,000 $7,220,000 34.5% 1.7%
    PENNYMAC LOAN SERVICES, LLC $6,125,000 $5,065,000 -17.3% 1.2%
    USAA Federal Savings Bank $7,190,000 $4,760,000 -33.8% 1.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,420,000 $4,200,000 73.6% 1.0%
    LOANDEPOT.COM, LLC $8,030,000 $4,105,000 -48.9% 1.0%
    Prosperity Home Mortgage, LLC $3,355,000 n/a 0.8%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,350,000 $3,220,000 138.5% 0.8%
    JONES LANG LASALLE MULTIFAMILY, LLC $3,195,000 n/a 0.8%
    Morgan Stanley Private Bank $515,000 $3,165,000 514.6% 0.8%
    NAVY FEDERAL CREDIT UNION $5,890,000 $3,080,000 -47.7% 0.7%
    CRESCENT MORTGAGE COMPANY $5,980,000 $3,035,000 -49.2% 0.7%
    CMG MORTGAGE, INC. $640,000 $2,915,000 355.5% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $2,970,000 $2,900,000 -2.4% 0.7%
    JPMorgan Chase Bank $4,840,000 $2,755,000 -43.1% 0.7%
    CHURCHILL MORTGAGE CORPORATION $1,215,000 $2,710,000 123.0% 0.7%
    Bank of America $4,555,000 $2,660,000 -41.6% 0.6%
    Arbor Realty Trust, Inc. $2,585,000 n/a 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $4,865,000 $2,480,000 -49.0% 0.6%
    Truist $2,500,000 $2,170,000 -13.2% 0.5%
    Wells Fargo Bank $18,445,000 $2,100,000 -88.6% 0.5%
    First Montana Bank, Inc. $2,165,000 $2,050,000 -5.3% 0.5%
    AMCAP MORTGAGE, LTD. $3,575,000 $2,025,000 -43.4% 0.5%
    FREEDOM MORTGAGE CORPORATION $8,285,000 $2,020,000 -75.6% 0.5%
    Citizens Alliance Bank $2,085,000 $1,930,000 -7.4% 0.5%
    Ixonia Bank $635,000 $1,895,000 198.4% 0.5%
    Northpointe Bank $1,750,000 n/a 0.4%
    NEWREZ LLC $1,715,000 $1,700,000 -0.9% 0.4%
    PREMIA MORTGAGE, LLC $1,870,000 $1,680,000 -10.2% 0.4%
    BROKER SOLUTIONS, INC. $4,325,000 $1,655,000 -61.7% 0.4%
    CARDINAL FINANCIAL $1,030,000 $1,575,000 52.9% 0.4%
    GUILD MORTGAGE COMPANY $5,940,000 $1,430,000 -75.9% 0.3%
    PLANET HOME LENDING, LLC $1,515,000 $1,395,000 -7.9% 0.3%
    CLEARPATH LENDING $1,495,000 $1,335,000 -10.7% 0.3%
    CORNERSTONE HOME LENDING, INC. $4,535,000 $1,265,000 -72.1% 0.3%
    Flagstar Bank, FSB $5,270,000 $1,240,000 -76.5% 0.3%
    BNC National Bank $1,120,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $1,115,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $1,390,000 $1,105,000 -20.5% 0.3%
    BMO Harris Bank $1,050,000 $1,080,000 2.9% 0.3%
    American Bank Center $780,000 $1,020,000 30.8% 0.2%
    CALCON MUTUAL MORTGAGE LLC $1,020,000 n/a 0.2%
    Flanagan State Bank $1,775,000 $1,020,000 -42.5% 0.2%
    The Federal Savings Bank $2,810,000 $1,015,000 -63.9% 0.2%
    21ST MORTGAGE CORPORATION $125,000 $965,000 672.0% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $1,805,000 $935,000 -48.2% 0.2%
    Carrington Mortgage Services, LLC $615,000 $915,000 48.8% 0.2%
    NEW DAY FINANCIAL, LLC $980,000 $875,000 -10.7% 0.2%
    Discover Bank $590,000 $845,000 43.2% 0.2%
    Little Horn State Bank $815,000 n/a 0.2%
    AXIA FINANCIAL, LLC $355,000 $800,000 125.4% 0.2%
    FBC MORTGAGE, LLC $545,000 $800,000 46.8% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,425,000 $705,000 -70.9% 0.2%
    GoPrime Mortgage, Inc. $485,000 $685,000 41.2% 0.2%
    Montana Federal Credit Union $140,000 $660,000 371.4% 0.2%
    Plains Commerce Bank $680,000 $635,000 -6.6% 0.2%
    AMERISAVE MORTGAGE CORPORATION $6,735,000 $615,000 -90.9% 0.1%
    Sierra Pacific Mortgage Company, Inc. $605,000 n/a 0.1%
    WINGS FINANCIAL $555,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $1,525,000 $525,000 -65.6% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $235,000 $525,000 123.4% 0.1%
    FIRST COLONY MORTGAGE CORPORATION $455,000 $520,000 14.3% 0.1%
    HORIZON $110,000 $500,000 354.5% 0.1%
    Century Mortgage Company DBA Century Lending Company $485,000 n/a 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $670,000 $465,000 -30.6% 0.1%
    PLAZA HOME MORTGAGE, INC. $455,000 n/a 0.1%
    Raymond James Bank $85,000 $455,000 435.3% 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $445,000 n/a 0.1%
    The Huntington National Bank $2,545,000 $425,000 -83.3% 0.1%
    DIRECTORS MORTGAGE, INC. $680,000 $415,000 -39.0% 0.1%
    KINECTA $275,000 $415,000 50.9% 0.1%
    American Mortgage & Equity Consultants, Inc. $405,000 n/a 0.1%
    ENVOY MORTGAGE, LTD $1,060,000 $405,000 -61.8% 0.1%
    Stifel Bank and Trust $405,000 n/a 0.1%
    Sunflower Bank $405,000 $395,000 -2.5% 0.1%
    SIRVA MORTGAGE, INC. $375,000 n/a 0.1%
    Willamette Valley Bank $810,000 $375,000 -53.7% 0.1%
    First Western Trust Bank $365,000 n/a 0.1%
    PNC Bank $2,370,000 $365,000 -84.6% 0.1%
    Ally Bank $510,000 $355,000 -30.4% 0.1%
    First-Citizens Bank & Trust Company $355,000 n/a 0.1%
    Mid-Continent Funding, Inc. $355,000 n/a 0.1%
    CITYWIDE HOME LOANS, LLC $405,000 $345,000 -14.8% 0.1%
    NBKC BANK $650,000 $325,000 -50.0% 0.1%
    RBC Bank, (Georgia) $325,000 n/a 0.1%
    The Central Trust Bank $315,000 n/a 0.1%
    MORTGAGE 1 INCORPORATED $955,000 $305,000 -68.1% 0.1%
    RESIDENTIAL BANCORP $305,000 n/a 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $295,000 n/a 0.1%
    MEGASTAR FINANCIAL CORP. $295,000 n/a 0.1%
    PHH Mortgage Corporation $280,000 $295,000 5.4% 0.1%
    Ameris Bank $285,000 n/a 0.1%
    LENDINGONE, LLC $285,000 n/a 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $285,000 n/a 0.1%
    Encompass Lending Group, LP $275,000 n/a 0.1%
    Citizens Bank Minnesota $355,000 $265,000 -25.4% 0.1%
    DIRECT MORTGAGE, CORP. $425,000 $255,000 -40.0% 0.1%
    AMERICAN FINANCING CORPORATION $1,575,000 $245,000 -84.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $245,000 n/a 0.1%
    SPRING EQ, LLC $170,000 $245,000 44.1% 0.1%
    Brighton Bank $205,000 n/a 0.0%
    Belt Valley Bank $195,000 n/a 0.0%
    Figure Lending LLC $735,000 $195,000 -73.5% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $190,000 100.0% 0.0%
    HIWAY $175,000 n/a 0.0%
    AMERICAN UNITED FAMILY OF CREDIT UN $170,000 n/a 0.0%
    MOVEMENT MORTGAGE, LLC $155,000 n/a 0.0%
    Commerce Bank $135,000 n/a 0.0%
    MOUNTAIN AMERICA $85,000 $135,000 58.8% 0.0%
    Chicago Mortgage Solutions LLC $115,000 n/a 0.0%
    Bethpage Federal Credit Union $105,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $105,000 n/a 0.0%
    BANKWEST, INC. $515,000 $55,000 -89.3% 0.0%
    Umpqua Bank $55,000 n/a 0.0%

    Helena's top lender by overall market share is Opportunity Bank of Montana, with 18.6% market share. In second place, with 12.0%, is Glacier Bank, having originated $49,600,000 in loans. In third place, with 7.4%, is MANN FINANCIAL INC., having originated $30,820,000 in loans. In fourth place, with 7.2%, is Stockman Bank of Montana, having originated $29,930,000 in loans. In fifth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $19,770,000 in loans.

    Helena Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Helena (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $281,825 (-1.3%) $538,215 (50.9%) 0.00 496
    2018-02-01 $279,900 (-1.7%) $498,341 (40.7%) 0.00 510
    2018-03-01 $298,750 (4.8%) $496,773 (30.4%) 0.00 540
    2018-04-01 $299,925 (5.2%) $515,025 (35.9%) 0.00 605
    2018-05-01 $299,935 (5.3%) $500,247 (32.5%) 0.00 671
    2018-06-01 $301,200 (6.7%) $488,512 (30.1%) 0.00 746
    2018-07-01 $310,000 (10.5%) $491,582 (32.5%) 0.00 762
    2018-08-01 $302,550 (7.8%) $493,243 (31.9%) 0.00 755
    2018-09-01 $300,000 (5.3%) $498,472 (37.2%) 0.00 767
    2018-10-01 $309,450 (7.8%) $522,593 (10.3%) 0.00 707
    2018-11-01 $329,913 (14.1%) $573,656 (18.9%) 0.00 457
    2018-12-01 $329,000 (14.9%) $586,708 (17.9%) 0.00 415
    2019-01-01 $314,800 (11.7%) $593,358 (10.3%) 0.00 378
    2019-02-01 $322,400 (15.2%) $563,922 (13.2%) 0.00 351
    2019-03-01 $327,100 (9.5%) $569,802 (14.7%) 0.00 352
    2019-04-01 $327,100 (9.1%) $571,271 (10.9%) 0.00 352
    2019-05-01 $325,000 (8.4%) $562,251 (12.4%) 0.00 384
    2019-06-01 $315,000 (4.6%) $551,410 (12.9%) 0.00 420
    2019-07-01 $315,000 (1.6%) $454,082 (-7.6%) 0.00 437
    2019-08-01 $316,091 (4.5%) $450,674 (-8.6%) 0.00 428
    2019-09-01 $317,727 (5.9%) $449,028 (-9.9%) 0.00 412
    2019-10-01 $319,500 (3.3%) $448,083 (-14.3%) 0.00 397
    2019-11-01 $329,000 (-0.3%) $455,582 (-20.6%) 0.00 350
    2019-12-01 $322,500 (-2.0%) $471,716 (-19.6%) 0.00 314
    2020-01-01 $322,500 (2.5%) $452,557 (-23.7%) 0.00 281
    2020-02-01 $332,500 (3.1%) $499,168 (-11.5%) 0.00 273
    2020-03-01 $339,950 (3.9%) $514,459 (-9.7%) 0.00 268
    2020-04-01 $356,350 (8.9%) $519,218 (-9.1%) 0.00 277
    2020-05-01 $369,450 (13.7%) $537,989 (-4.3%) 0.00 264
    2020-06-01 $374,925 (19.0%) $544,630 (-1.2%) 0.00 251
    2020-07-01 $389,975 (23.8%) $584,180 (28.7%) 0.00 230
    2020-08-01 $403,500 (27.7%) $578,971 (28.5%) 0.00 218
    2020-09-01 $426,200 (34.1%) $599,480 (33.5%) 0.00 209
    2020-10-01 $414,900 (29.9%) $602,847 (34.5%) 0.00 190
    2020-11-01 $462,250 (40.5%) $649,156 (42.5%) 0.00 151
    2020-12-01 $461,225 (43.0%) $665,661 (41.1%) 0.00 128
    2021-01-01 $429,900 (33.3%) $656,583 (45.1%) 0.00 116
    2021-02-01 $472,638 (42.2%) $703,201 (40.9%) 0.00 98
    2021-03-01 $474,650 (39.6%) $692,196 (34.6%) 0.00 101
    2021-04-01 $466,450 (30.9%) $664,596 (28.0%) 0.00 116
    2021-05-01 $460,950 (24.8%) $673,122 (25.1%) 0.00 122
    2021-06-01 $492,000 (31.2%) $703,151 (29.1%) 0.00 132
    2021-07-01 $495,000 (26.9%) $731,246 (25.2%) 0.00 166
    2021-08-01 $485,000 (20.2%) $718,039 (24.0%) 0.00 180
    2021-09-01 $493,000 (15.7%) $730,653 (21.9%) 0.00 172
    2021-10-01 $509,900 (22.9%) $717,204 (19.0%) 0.00 159
    2021-11-01 $542,000 (17.3%) $736,452 (13.5%) 0.00 130
    2021-12-01 $550,000 (19.3%) $738,383 (10.9%) 0.00 99
    2022-01-01 $557,500 (29.7%) $781,971 (19.1%) 0.00 77
    2022-02-01 $581,000 (22.9%) $760,207 (8.1%) 0.00 85
    2022-03-01 $550,000 (15.9%) $800,519 (15.7%) 0.00 85
    2022-04-01 $575,000 (23.3%) $787,192 (18.5%) 0.00 99
    2022-05-01 $550,000 (19.3%) $770,040 (14.4%) 0.00 125
    2022-06-01 $589,450 (19.8%) $851,639 (21.1%) 0.00 149
    2022-07-01 $595,000 (20.2%) $839,227 (14.8%) 0.00 208
    2022-08-01 $599,950 (23.7%) $840,588 (17.1%) 0.00 240
    2022-09-01 $599,900 (21.7%) $852,632 (16.7%) 0.00 237
    2022-10-01 $599,000 (17.5%) $842,989 (17.5%) 0.00 243
    2022-11-01 $576,925 (6.4%) $823,242 (11.8%) 0.00 245
    2022-12-01 $599,000 (8.9%) $845,020 (14.4%) 0.00 218
    2023-01-01 $599,450 (7.5%) $788,752 (0.9%) 0.00 205
    2023-02-01 $586,175 (0.9%) $804,378 (5.8%) 0.00 184
    2023-03-01 $575,750 (4.7%) $789,475 (-1.4%) 0.00 193
    2023-04-01 $599,000 (4.2%) $799,861 (1.6%) 0.00 189
    2023-05-01 $601,875 (9.4%) $828,980 (7.7%) 0.00 201
    2023-06-01 $649,950 (10.3%) $839,124 (-1.5%) 0.00 226
    2023-07-01 $675,000 (13.5%) $875,300 (4.3%) 0.00 253
    2023-08-01 $634,900 (5.8%) $829,260 (-1.4%) 0.00 272
    2023-09-01 $629,000 (4.9%) $817,077 (-4.2%) 0.00 277
    2023-10-01 $608,675 (1.6%) $803,795 (-4.7%) 0.00 273
    2023-11-01 $606,200 (5.1%) $873,911 (6.2%) 0.00 259
    2023-12-01 $599,900 (0.2%) $872,674 (3.3%) 0.00 227
    2024-01-01 $588,750 (-1.8%) $865,320 (9.7%) 0.00 203
    2024-02-01 $614,000 (4.8%) $864,137 (7.4%) 0.00 204
    2024-03-01 $650,000 (12.9%) $888,942 (12.6%) 0.00 211
    2024-04-01 $665,000 (11.0%) $854,854 (6.9%) 0.00 233
    2024-05-01 $672,200 (11.7%) $871,385 (5.1%) 0.00 293
    2024-06-01 $650,000 (0.0%) $831,223 (-0.9%) 0.00 349
    2024-07-01 $650,000 (-3.7%) $865,582 (-1.1%) 0.00 362
    2024-08-01 $632,000 (-0.5%) $837,808 (1.0%) 0.00 391
    2024-09-01 $629,700 (0.1%) $827,806 (1.3%) 0.00 395
    2024-10-01 $619,750 (1.8%) $825,606 (2.7%) 0.00 381
    2024-11-01 $607,000 (0.1%) $754,740 (-13.6%) 0.00 355
    2024-12-01 $599,675 (0.0%) $751,357 (-13.9%) 0.00 297
    2025-01-01 $599,900 (1.9%) $784,096 (-9.4%) 0.00 267
    Helena's median listing price for 2025-01-01 was $599,900, a difference of $11,150 (1.9%) versus the prior year and $225 versus the prior month.

    Helena's median listing price comes in at 0% of the national average.

    Helena's average listing price for 2025-01-01 was $784,096, a difference of $-81,224 (-9.4%) versus the prior year and $32,739 versus the prior month.

    For the 2025-01-01 period, Helena had 267 MLS listings, a difference of -30 listings (-10%) versus the prior month and 64 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Helena (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,986 sqft
    2018-02-01 0 days 2,008 sqft
    2018-03-01 0 days 2,040 sqft
    2018-04-01 0 days 2,084 sqft
    2018-05-01 0 days 2,112 sqft
    2018-06-01 0 days 2,112 sqft
    2018-07-01 0 days 2,121 sqft
    2018-08-01 0 days 2,111 sqft
    2018-09-01 0 days 2,120 sqft
    2018-10-01 0 days 2,231 sqft
    2018-11-01 0 days 2,268 sqft
    2018-12-01 0 days 2,159 sqft
    2019-01-01 0 days 2,137 sqft
    2019-02-01 0 days 2,152 sqft
    2019-03-01 0 days 2,167 sqft
    2019-04-01 0 days 2,202 sqft
    2019-05-01 0 days 2,151 sqft
    2019-06-01 0 days 2,200 sqft
    2019-07-01 0 days 2,160 sqft
    2019-08-01 0 days 2,153 sqft
    2019-09-01 0 days 2,136 sqft
    2019-10-01 0 days 2,127 sqft
    2019-11-01 0 days 2,147 sqft
    2019-12-01 0 days 2,048 sqft
    2020-01-01 0 days 2,039 sqft
    2020-02-01 0 days 2,042 sqft
    2020-03-01 0 days 2,126 sqft
    2020-04-01 0 days 2,212 sqft
    2020-05-01 0 days 2,222 sqft
    2020-06-01 0 days 2,268 sqft
    2020-07-01 0 days 2,339 sqft
    2020-08-01 0 days 2,362 sqft
    2020-09-01 0 days 2,426 sqft
    2020-10-01 0 days 2,378 sqft
    2020-11-01 0 days 2,400 sqft
    2020-12-01 0 days 2,407 sqft
    2021-01-01 0 days 2,352 sqft
    2021-02-01 0 days 2,285 sqft
    2021-03-01 0 days 2,287 sqft
    2021-04-01 0 days 2,223 sqft
    2021-05-01 0 days 2,067 sqft
    2021-06-01 0 days 2,131 sqft
    2021-07-01 0 days 2,124 sqft
    2021-08-01 0 days 2,060 sqft
    2021-09-01 0 days 2,209 sqft
    2021-10-01 0 days 2,145 sqft
    2021-11-01 0 days 2,126 sqft
    2021-12-01 0 days 2,198 sqft
    2022-01-01 0 days 2,198 sqft
    2022-02-01 0 days 2,217 sqft
    2022-03-01 0 days 2,118 sqft
    2022-04-01 0 days 2,136 sqft
    2022-05-01 0 days 2,187 sqft
    2022-06-01 0 days 2,169 sqft
    2022-07-01 0 days 2,152 sqft
    2022-08-01 0 days 2,138 sqft
    2022-09-01 0 days 2,147 sqft
    2022-10-01 0 days 2,180 sqft
    2022-11-01 0 days 2,135 sqft
    2022-12-01 0 days 2,120 sqft
    2023-01-01 0 days 2,111 sqft
    2023-02-01 0 days 2,083 sqft
    2023-03-01 0 days 2,059 sqft
    2023-04-01 0 days 2,100 sqft
    2023-05-01 0 days 2,215 sqft
    2023-06-01 0 days 2,259 sqft
    2023-07-01 0 days 2,231 sqft
    2023-08-01 0 days 2,198 sqft
    2023-09-01 0 days 2,148 sqft
    2023-10-01 0 days 2,098 sqft
    2023-11-01 0 days 2,106 sqft
    2023-12-01 0 days 2,132 sqft
    2024-01-01 0 days 2,109 sqft
    2024-02-01 0 days 2,109 sqft
    2024-03-01 0 days 2,142 sqft
    2024-04-01 0 days 2,204 sqft
    2024-05-01 0 days 2,225 sqft
    2024-06-01 0 days 2,155 sqft
    2024-07-01 0 days 2,239 sqft
    2024-08-01 0 days 2,194 sqft
    2024-09-01 0 days 2,241 sqft
    2024-10-01 0 days 2,256 sqft
    2024-11-01 0 days 2,151 sqft
    2024-12-01 0 days 2,120 sqft
    2025-01-01 0 days 2,110 sqft
    Helena's median listing age (time on market) for 2025-01-01 was 0 days.

    Helena's median square footage for active listings during the 2025-01-01 period was 2,110 sqft. One year prior, the average listing was 2,109 sqft.

    Helena, MT Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 867 $304,545,000 $351,263
    Home Improvement 215 $18,665,000 $86,814
    Cash Out Refi 174 $48,000,000 $275,862
    Other 142 $13,950,000 $98,239
    Refi 127 $29,515,000 $232,402

    Helena's most frequently cited loan purpose was Home Purchase, with 867 originations. The 2nd most popular reason was Home Improvement, with 215 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 492 $173,290,000 $352,215
    Over 8% 402 $49,570,000 $123,308
    7-8% 356 $93,330,000 $262,163
    5-6% 221 $78,515,000 $355,271
    4-5% 18 $11,270,000 $626,111
    <2.5% 9 $1,425,000 $158,333
    3-4% 4 $730,000 $182,500
    2.5-3% 2 $570,000 $285,000

    During 2023, Helena's most frequently originated rate bucket was 6-7%, with 492 originations.

    Loan Sizing (Helena, MT MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 584 $175,060,000 $299,760
    $100,000 or less 338 $18,190,000 $53,817
    $100k-200k 278 $39,540,000 $142,230
    $400k-600k 248 $117,200,000 $472,581
    $600k-1000k 65 $45,025,000 $692,692
    $Over $1MM 12 $19,660,000 $1,638,333

    Helena's loan sizing saw the bucket of loans from $200k-400k with 584 originations, totaling $175,060,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 403 $162,565,000 $403,387
    Under 20% 339 $22,325,000 $65,855
    60-80% 299 $110,495,000 $369,548
    20-40% 220 $39,750,000 $180,682
    40-60% 216 $60,560,000 $280,370
    Over 100% 22 $11,400,000 $518,182

    Helena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 403 originations, totaling $162,565,000 in origination value.