New Listing
14
$254,000
121 Iowa Ave Apt 1I
Whitefish, MT 59937
1 bd1 ba528 sqft$481/ft²
Condo
Matt Buckmaster · PureWest Real Estate - Whitefish
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Whitefish, MT Housing Market
Leaning buyer's+0.5% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Whitefish, MT is worth $871,592, rose 0.5% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $847,000, -15.1% year over year (through May 2026). With 5.0 months of supply and homes going under contract in about 69 days, Whitefish is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $871,592 home is about $4,653/mo in principal and interest.
Key numbers for Whitefish, MT
Typical home value
$871,592
+0.5% in 12 months
Zillow, August 2026
Typical asking rent
$2,677/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$847,000
-15.1% year over year
Redfin, through May 2026
Days on market
69
Slow-moving
Redfin, through May 2026
Active listings
115
5.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$71,110
Home costs 12.3x 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 Whitefish a buyer's or seller's market?
Leaning buyer's5.0 months of supply69 days on market
Whitefish, MT is a leaning buyer's, based on 5.0 months of supply and homes selling in about 69 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Whitefish housing market data show?
Every row below is Redfin's final published month for Whitefish, MT. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $847,000 |
| Median list price | $1.05M |
| Year-over-year price change | -15.1% |
| Median price per sq ft | $481/sq ft |
| Median days on market | 69 days |
| Active inventory | 115 listings |
| Months of supply | 5.0 months |
| Homes sold (that month) | 23 |
| New listings (that month) | 27 |
| Listings with a price cut | 27.8% |
| 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 Whitefish is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Whitefish 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 Whitefish home prices moved?
Over the last three years the median sale price in Whitefish, MT fell 34.2%, from $1.29M to $847,000. The live Zillow value series has rose 0.5% in the last 12 months, which is the more current read now that Redfin's series has stopped. 27.8% of Whitefish listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Whitefish?
Priced off the typical home value of $871,592 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% | $174,318 | $697,274 | $4,653/mo |
| 5% | $43,580 | $828,013 | $5,525/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 $4,653, that implies roughly $199,416 a year before you add taxes and insurance. The median household in Whitefish earns $71,110, about $128,306 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 12.3x — 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 Whitefish in the next 12 months?
Tell us your timeline. We send the Whitefish 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 Whitefish?
Typical asking rent in Whitefish, MT is $2,677/mo, against a typical home value of $871,592. That is a price-to-rent ratio of 27.1x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $4,653 a month — $1,976 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Whitefish?
Active listings in Whitefish, MT went from 166 in May 2025 to 115 in May 2026, a -30.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 179 | 43 |
| July 2025 | 194 | 42 |
| August 2025 | 181 | 25 |
| September 2025 | 165 | 15 |
| October 2025 | 149 | 26 |
| November 2025 | 124 | 7 |
| December 2025 | 111 | 26 |
| January 2026 | 106 | 19 |
| February 2026 | 111 | 25 |
| March 2026 | 128 | 36 |
| April 2026 | 124 | 23 |
| May 2026 | 115 | 27 |
Redfin, through May 2026
How does Whitefish compare to Montana and the U.S.?
Whitefish homes sell for $847,000 — 60% above the Montana median of $528,600. Against the national median of $410,700, Whitefish runs 106% higher. Year-over-year, Whitefish moved -15.1% against Montana's +1.5% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Whitefish, MT | $847,000 | -15.1% | 69 days |
| Montana statewide | $528,600 | +1.5% | 69 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Whitefish
What buyers should watch
- Months of supply, currently 5.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 27.8%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $872 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 $871,592 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 Whitefish listing goes under contract in 69 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Whitefish added 27 new listings against 23 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.5% 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 Whitefish varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Whitefish
There are currently 115 homes listed for sale in Whitefish, Montana. The median listing price is $1.1M. Featured listings range from $254,000 to $2,495,000.
New Listing
39
$455,000
6002 St Moritz Dr Apt H
Whitefish, MT 59937
1 bd2 ba1,022 sqft$445/ft²
Condo479 sqft lot
Maureen Gerber · Revel Real Estate, Inc
View photos & details
New Listing
44
$579,000
242 Deer Trl
Whitefish, MT 59937
4 bd2 ba1,920 sqft$302/ft²
House21,344 sqft lot
Susan Julian · PureWest Real Estate - Kalispell
View photos & details
New Listing
18
$599,000
777 Scott Ave
Whitefish, MT 59937
4 bd2 ba1,234 sqft$485/ft²
House6,098 sqft lot
Tyler Anderson · National Parks Realty - Whitefish
View photos & details
New Listing
39
$689,000
5009 River Lakes Pkwy
Whitefish, MT 59937
2 bd3 ba1,579 sqft$436/ft²
Townhouse3,920 sqft lot
Ryan Ross · Keller Williams Realty Northwest Montana
View photos & details
New Listing
28
$695,000
903 E 2nd St
Whitefish, MT 59937
1 bd1 ba916 sqft$759/ft²
House4,792 sqft lot
Jen Dolan · National Parks Realty - Whitefish
View photos & details
New Listing
30
$799,000
139 E 2nd St Unit 201
Whitefish, MT 59937
1 bd1 ba815 sqft$980/ft²
Condo
Michael Anderson · National Parks Realty - Whitefish
View photos & details
New Listing
18
$800,000
451 and 459 Karrow Ave
Whitefish, MT 59937
Land24,829 sqft lot
Linda Chauner · PureWest Real Estate - Whitefish
View photos & details
New Listing
15
$849,500
435 Dakota Ave
Whitefish, MT 59937
1 bd1 ba728 sqft$1167/ft²
House31,799 sqft lot
Nikki Marengo · RE/MAX Rocky Mountain Real Estate
View photos & details
New Listing
42
$1,179,000
227 Obrien Ave Unit D
Whitefish, MT 59937
2 bd3 ba1,581 sqft$746/ft²
Condo1,830 sqft lot
Maureen Gerber · Revel Real Estate, Inc
View photos & details
New Listing
46
$1,695,000
1130 Birch Point Dr Unit B
Whitefish, MT 59937
2 bd2 ba1,344 sqft$1261/ft²
Condo
Matt Buckmaster · PureWest Real Estate - Whitefish
View photos & details
New Listing
25
$2,495,000
130 Wagon Wheel Rd
Whitefish, MT 59937
3 bd4 ba4,258 sqft$586/ft²
House12.06 acres
Lisa Lorge · National Parks Realty - Whitefish
View photos & details
Looking to buy in Whitefish?
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Active listings
115
Homes on market
Median list price
$1.1M
Avg. days on market
69
Days until sale
New this week
27
Newly listed
Price drops:27.8%of listings
How much do homes cost in Whitefish by property type?
How the Whitefish, MT market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.38M | $652/sq ft | 8 | 78 days |
| Condo / co-op | $499,000 | $443/sq ft | 13 | 56 days |
| Townhouse | $1.47M | $592/sq ft | 2 | 57 days |
Who lives in Whitefish?
American Community Survey estimates for Whitefish. U.S. Census ACS, 2023
Population
8,422
Households
4,101
Median income
$71,110/yr
Median age
43.4 years
Owner-occupied
60.0%
Median home value
$648,200
Median gross rent
$1,313/mo
Mean commute
16.7 min
60.0% of occupied homes in Whitefish 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 $648,200 against Zillow's $871,592 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,313/mo, below Zillow's $2,677/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Whitefish?
5 schools tracked · 2,055 students
The largest public schools serving Whitefish, 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.
L A Muldown School
Grades PK-4 · 672 students
Whitefish Middle 5-8
Grades 5-8 · 661 students
Whitefish High School
Grades 9-12 · 630 students
Bissell School
Grades PK-6 · 74 students
Bissell 7-8
Grades 7-8 · 18 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 Whitefish, MT?
Ordered by distance from Whitefish, not by size. Compare Whitefish side by side with any of them.
Which ZIP codes are in Whitefish?
These are the ZIP codes we see on active Whitefish listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Whitefish housing market FAQ
Is Whitefish a buyer's or seller's market?
Whitefish, MT is currently a leaning buyer's. That read comes from 5.0 months of supply, homes going under contract in about 69 days in the last month Redfin published (May 2026).
How much do homes cost in Whitefish?
The typical home in Whitefish, MT is worth $871,592 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $847,000, about $481 per square foot.
Is Whitefish cheaper than the rest of Montana?
Whitefish's median sale price of $847,000 is 60% higher than the Montana statewide median of $528,600, and 106% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Whitefish?
Homes in Whitefish, MT spent a median of 69 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 Whitefish?
At the current 30-year fixed rate of 7.03%, 20% down on a $871,592 home is about $4,653 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $199,416 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $71,110.
Are home prices rising in Whitefish?
The typical home value in Whitefish, MT rose 0.5% over the last 12 months, from $867,184 to $871,592 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Whitefish?
Whitefish 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 Whitefish?
That depends on your timeline, not on a headline. What the data says today: Whitefish, MT is a leaning buyer's with 5.0 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 27.1x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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