Montana town
Havre
Hill County
The Hi-Line. BNSF railroad employment anchors this town, Montana State University-Northern is here, and the price points are among the most accessible in Montana. The defining lending question in Havre is not the price of the house, it is how an underwriter reads a railroad paycheck, because a large share of what a BNSF household actually earns arrives as overtime, shift differential and other variable pay.
The snapshot
We are not going to make up a number.
We do not publish a median sale price for Havre. Hill County's monthly transaction count is small enough that a town-level median tells you about the four houses that happened to close rather than about the market. The statewide number below is for reference and it does not describe this town.
Ask us for the current comparable set on the specific street you are looking at and we will pull it, no application and no credit pull.
- Montana median sale price, statewide, for reference only
- $527,848Up 5.8% year over yearRedfin, June 2026
What financing fits here
Three programs that fit Havre.
USDA Rural Development
The Hi-Line is squarely inside USDA eligible territory and Havre incomes generally fit under the limits, which makes the program the default rather than the exception here.
VA
No monthly mortgage insurance, and against Havre prices the entitlement goes further than almost anywhere else in the state.
Montana Housing with down payment assistance
A fixed assistance amount covers a much larger share of the table here than it does in the western valleys, which is why the program closes deals in Havre that it would barely dent in Bozeman.
What trips people up here
The local problems, named.
Railroad income and variable pay
Overtime, shift differentials and guarantee pay are averaged, usually over 24 months, and a year with fewer hours drags the average down. Bring the full pay history early and we can tell you the qualifying number before you make an offer, instead of after.
Appraiser scarcity along the Hi-Line
Coverage is thin and the driving distances are long. Appraisal turn times here stretch contract dates in a way buyers from western Montana do not anticipate.
Older housing stock and heating systems
A lot of Havre inventory predates modern mechanical systems. Furnace and boiler age, roof life and wiring all draw appraisal comment, and an insurer may care more than the appraiser does.
Distance to the nearest comparable sale
When the closest similar sale is in the next town, the appraisal is a longer, weaker document. That is not a reason to walk away, it is a reason to give the process more time.
The nearest deep market with published data of its own is on the other side of the divide. Our Great Falls market page is the closest comparison to Hi-Line pricing and program mix.
Two pieces worth reading: USDA loans and Montana eligibility and how much you actually need down. Hi-Line price points make the government programs unusually effective here.
Start
Tell us the Havre address and we will tell you the loan.
A page describes a town. It does not describe your file. Send us the property and the price and we will tell you which programs will actually close it.
No credit pull, no application.
Montana office. Monday to Friday, 8am to 5pm Mountain.