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Featured local agent — Gibson Flats, MT
Sarah Mitchell
Compass Real Estate · Gibson Flats, MT
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Gibson Flats, MT Housing Market
The last median sale price Redfin published was $879,000 (through May 2026). With homes going under contract in about 159 days, Gibson Flats is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $879,000 home is about $4,693/mo in principal and interest.
Key numbers for Gibson Flats, MT
Median sale price
$879,000
Last published period
Redfin, through January 2025
Days on market
159
Slow-moving
Redfin, through January 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Gibson Flats a buyer's or seller's market?
Gibson Flats, MT is a leaning buyer's and homes selling in about 159 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Gibson Flats housing market data show?
Every row below is Redfin's final published month for Gibson Flats, MT. Redfin, through January 2025
| Metric | Value |
|---|---|
| Median sale price | $879,000 |
| Median price per sq ft | $178/sq ft |
| Median days on market | 159 days |
| Homes sold (that month) | 1 |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Gibson Flats is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Gibson Flats is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Gibson Flats home prices moved?
Across the 5 months we hold for Gibson Flats, MT, the median sale price rose 328.8%, from $205,000 in June 2021 to $879,000.
Redfin, through January 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Gibson Flats?
Priced off the median sale price of $879,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $175,800 | $703,200 | $4,693/mo |
| 5% | $43,950 | $835,050 | $5,572/mo |
Redfin, through January 2025 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,693, that implies roughly $201,111 a year before you add taxes and insurance. We do not hold a Census income figure for Gibson Flats, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Gibson Flats in the next 12 months?
Tell us your timeline. We send the Gibson Flats market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Gibson Flats?
Zillow does not publish a rent index (ZORI) for Gibson Flats, MT, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Gibson Flats?
Active listings in Gibson Flats, MT went from 1 in June 2021 to 1 in November 2024, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2021 | 1 | 1 |
| November 2024 | 1 | not published |
Redfin, through November 2024
How does Gibson Flats compare to Montana and the U.S.?
Gibson Flats homes sell for $879,000 — 66% above the Montana median of $528,600. Against the national median of $410,700, Gibson Flats runs 114% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Gibson Flats, MT | $879,000 | not published | 159 days |
| Montana statewide | $528,600 | +1.5% | 69 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through January 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Gibson Flats
What buyers should watch
- The gap between 5% and 20% down here is $880 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $879,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Gibson Flats listing goes under contract in 159 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Comparable ZIP-level pricing inside Gibson Flats varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Gibson Flats
Explore homes currently listed for sale in Gibson Flats, Montana across major real estate platforms.
How much do homes cost in Gibson Flats by property type?
How the Gibson Flats, MT market breaks down across single-family homes, condos and townhouses. Redfin, through January 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $879,000 | $178/sq ft | 1 | 159 days |
Who lives in Gibson Flats?
American Community Survey estimates for Gibson Flats. U.S. Census ACS, 2023
Population
203
Households
61
Median age
45.1 years
Owner-occupied
100.0%
100.0% of occupied homes in Gibson Flats are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Gibson Flats, MT?
Ordered by distance from Gibson Flats, not by size. Compare Gibson Flats side by side with any of them.
Gibson Flats housing market FAQ
Is Gibson Flats a buyer's or seller's market?
Gibson Flats, MT is currently a leaning buyer's based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Gibson Flats?
The median sale price in the last month Redfin published was $879,000, about $178 per square foot.
Is Gibson Flats cheaper than the rest of Montana?
Gibson Flats's median sale price of $879,000 is 66% higher than the Montana statewide median of $528,600, and 114% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Gibson Flats?
Homes in Gibson Flats, MT spent a median of 159 days on market before going under contract, versus 69 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Gibson Flats?
At the current 30-year fixed rate of 7.03%, 20% down on a $879,000 home is about $4,693 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $201,111 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Gibson Flats?
We do not hold a complete 12-month value series for Gibson Flats, MT yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Gibson Flats?
Gibson Flats ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Gibson Flats?
That depends on your timeline, not on a headline. What the data says today: Gibson Flats, MT is a leaning buyer's, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $879,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.