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Featured local agent — Sun River, MT
Sarah Mitchell
Compass Real Estate · Sun River, MT
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Sun River, MT Housing Market
The typical home in Sun River, MT is worth $455,313, rose 3.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $225,000 (through May 2026). With homes going under contract in about 98 days, Sun River is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $455,313 home is about $2,431/mo in principal and interest.
Key numbers for Sun River, MT
Typical home value
$455,313
+3.7% in 12 months
Zillow, August 2026
Median sale price
$225,000
Last published period
Redfin, through March 2026
Days on market
98
Slow-moving
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$42,237
Home costs 10.8x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and 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 Sun River a buyer's or seller's market?
Sun River, MT is a leaning buyer's and homes selling in about 98 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 Sun River housing market data show?
Every row below is Redfin's final published month for Sun River, MT. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $225,000 |
| Median price per sq ft | $221/sq ft |
| Median days on market | 98 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 Sun River is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Sun River 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 Sun River home prices moved?
Across the 7 months we hold for Sun River, MT, the median sale price rose 73.2%, from $129,900 in December 2021 to $225,000. The live Zillow value series has rose 3.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Sun River?
Priced off the typical home value of $455,313 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% | $91,063 | $364,250 | $2,431/mo |
| 5% | $22,766 | $432,547 | $2,886/mo |
Zillow, August 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 $2,431, that implies roughly $104,173 a year before you add taxes and insurance. The median household in Sun River earns $42,237, about $61,936 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 10.8x — 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 Sun River in the next 12 months?
Tell us your timeline. We send the Sun River 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 Sun River?
Zillow does not publish a rent index (ZORI) for Sun River, 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 Sun River?
Active listings in Sun River, MT went from 1 in May 2022 to 2 in November 2024, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings |
|---|---|
| May 2022 | 1 |
| November 2024 | 2 |
Redfin, through November 2024
How does Sun River compare to Montana and the U.S.?
Sun River homes sell for $225,000 — 57% below the Montana median of $528,600. Against the national median of $410,700, Sun River runs 45% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Sun River, MT | $225,000 | not published | 98 days |
| Montana statewide | $528,600 | +1.5% | 69 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Sun River
What buyers should watch
- The gap between 5% and 20% down here is $456 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 $455,313 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 Sun River listing goes under contract in 98 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Your equity moved +3.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Sun River varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Sun River
Explore homes currently listed for sale in Sun River, Montana across major real estate platforms.
How much do homes cost in Sun River by property type?
How the Sun River, MT market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $225,000 | $221/sq ft | 1 | 98 days |
Who lives in Sun River?
American Community Survey estimates for Sun River. U.S. Census ACS, 2023
Population
62
Households
34
Median income
$42,237/yr
Median age
71.2 years
Owner-occupied
100.0%
Median home value
$167,100
100.0% of occupied homes in Sun River 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. The Census self-reported median home value is $167,100 against Zillow's $455,313 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Sun River?
1 schools tracked · 14 students
The largest public schools serving Sun River, MT by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Cascade Colony School
Grades PK-8 · 14 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Sun River, MT?
Ordered by distance from Sun River, not by size. Compare Sun River side by side with any of them.
Sun River housing market FAQ
Is Sun River a buyer's or seller's market?
Sun River, 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 Sun River?
The typical home in Sun River, MT is worth $455,313 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $225,000, about $221 per square foot.
Is Sun River cheaper than the rest of Montana?
Sun River's median sale price of $225,000 is 57% lower than the Montana statewide median of $528,600, and 45% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Sun River?
Homes in Sun River, MT spent a median of 98 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 Sun River?
At the current 30-year fixed rate of 7.03%, 20% down on a $455,313 home is about $2,431 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $104,173 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $42,237.
Are home prices rising in Sun River?
The typical home value in Sun River, MT rose 3.7% over the last 12 months, from $439,274 to $455,313 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Sun River?
Sun River 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 Sun River?
That depends on your timeline, not on a headline. What the data says today: Sun River, 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 $455,313, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.