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Featured local agent — Hardy, MT
Sarah Mitchell
Compass Real Estate · Hardy, MT
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Hardy, MT Housing Market
The last median sale price Redfin published was $580,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 3 days, Hardy is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $580,000 home is about $3,096/mo in principal and interest.
Key numbers for Hardy, MT
Median sale price
$580,000
Last published period
Redfin, through April 2026
Days on market
3
Fast-moving
Redfin, through April 2026
Active listings
1
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$78,333
Home costs 7.4x income
U.S. Census ACS, 2023
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 Hardy a buyer's or seller's market?
Hardy, MT is a strong seller's market, based on 1.0 months of supply and homes selling in about 3 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Hardy housing market data show?
Every row below is Redfin's final published month for Hardy, MT. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $580,000 |
| Median price per sq ft | $652/sq ft |
| Median days on market | 3 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Homes sold (that month) | 1 |
| Market condition | Strong seller's market |
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 Hardy is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Hardy 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 Hardy home prices moved?
Across the 5 months we hold for Hardy, MT, the median sale price fell 27.4%, from $799,000 in October 2021 to $580,000.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Hardy?
Priced off the median sale price of $580,000 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% | $116,000 | $464,000 | $3,096/mo |
| 5% | $29,000 | $551,000 | $3,677/mo |
Redfin, through April 2026 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 $3,096, that implies roughly $132,701 a year before you add taxes and insurance. The median household in Hardy earns $78,333, about $54,368 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 7.4x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Hardy in the next 12 months?
Tell us your timeline. We send the Hardy 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 Hardy?
Zillow does not publish a rent index (ZORI) for Hardy, 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 Hardy?
We hold fewer than two months of inventory readings for Hardy, MT, so there is no trend to report yet. The most recent count we have is 1 active listings (Redfin, through May 2026).
How does Hardy compare to Montana and the U.S.?
Hardy homes sell for $580,000 — 10% above the Montana median of $528,600. Against the national median of $410,700, Hardy runs 41% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Hardy, MT | $580,000 | not published | 3 days |
| Montana statewide | $528,600 | +1.5% | 69 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Hardy
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $581 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 $580,000 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 Hardy listing goes under contract in 3 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 Hardy varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Hardy
There are currently 1 homes listed for sale in Hardy, Montana.
Active listings
1
Homes on market
Avg. days on market
3
Days until sale
How much do homes cost in Hardy by property type?
How the Hardy, MT market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $580,000 | $652/sq ft | 1 | 3 days |
Who lives in Hardy?
American Community Survey estimates for Hardy. U.S. Census ACS, 2023
Population
65
Households
36
Median income
$78,333/yr
Median age
71.7 years
Owner-occupied
100.0%
Median home value
$408,300
100.0% of occupied homes in Hardy 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 Hardy, MT?
Ordered by distance from Hardy, not by size. Compare Hardy side by side with any of them.
Hardy housing market FAQ
Is Hardy a buyer's or seller's market?
Hardy, MT is currently a strong seller's market. That read comes from 1.0 months of supply, homes going under contract in about 3 days in the last month Redfin published (May 2026).
How much do homes cost in Hardy?
The median sale price in the last month Redfin published was $580,000, about $652 per square foot.
Is Hardy cheaper than the rest of Montana?
Hardy's median sale price of $580,000 is 10% higher than the Montana statewide median of $528,600, and 41% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Hardy?
Homes in Hardy, MT spent a median of 3 days on market before going under contract, versus 69 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Hardy?
At the current 30-year fixed rate of 7.03%, 20% down on a $580,000 home is about $3,096 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $132,701 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $78,333.
Are home prices rising in Hardy?
We do not hold a complete 12-month value series for Hardy, 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 Hardy?
Hardy 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 Hardy?
That depends on your timeline, not on a headline. What the data says today: Hardy, MT is a strong seller's market with 1.0 months of supply, 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 $580,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.