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Featured local agent — Willow Creek, MT
Sarah Mitchell
Compass Real Estate · Willow Creek, MT
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Willow Creek, MT Housing Market
The last median sale price Redfin published was $340,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 23 days, Willow Creek is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $340,000 home is about $1,815/mo in principal and interest.
Key numbers for Willow Creek, MT
Median sale price
$340,000
Last published period
Redfin, through December 2025
Days on market
23
Average pace
Redfin, through December 2025
Active listings
1
1.0 months of supply
Redfin, through December 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$68,542
Home costs 5.0x 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 Willow Creek a buyer's or seller's market?
Willow Creek, MT is a seller's market, based on 1.0 months of supply and homes selling in about 23 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 Willow Creek housing market data show?
Every row below is Redfin's final published month for Willow Creek, MT. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $340,000 |
| Median price per sq ft | $265/sq ft |
| Median days on market | 23 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Homes sold (that month) | 1 |
| Market condition | 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 Willow Creek is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Willow Creek 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 Willow Creek home prices moved?
Across the 10 months we hold for Willow Creek, MT, the median sale price fell 43.3%, from $599,900 in August 2021 to $340,000.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Willow Creek?
Priced off the median sale price of $340,000 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% | $68,000 | $272,000 | $1,815/mo |
| 5% | $17,000 | $323,000 | $2,155/mo |
Redfin, through December 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 $1,815, that implies roughly $77,790 a year before you add taxes and insurance. The median household in Willow Creek earns $68,542, about $9,248 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 5.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Willow Creek in the next 12 months?
Tell us your timeline. We send the Willow Creek 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 Willow Creek?
Zillow does not publish a rent index (ZORI) for Willow Creek, 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 Willow Creek?
Active listings in Willow Creek, MT went from 1 in August 2022 to 1 in December 2025, 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 |
|---|---|---|
| August 2022 | 1 | not published |
| December 2023 | 2 | not published |
| February 2024 | 2 | not published |
| April 2024 | 2 | 1 |
| July 2024 | 4 | 1 |
| August 2024 | 3 | not published |
| July 2025 | 1 | not published |
| December 2025 | 1 | not published |
Redfin, through December 2025
How does Willow Creek compare to Montana and the U.S.?
Willow Creek homes sell for $340,000 — 36% below the Montana median of $528,600. Against the national median of $410,700, Willow Creek runs 17% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Willow Creek, MT | $340,000 | not published | 23 days |
| Montana statewide | $528,600 | +1.5% | 69 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Willow Creek
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 $340 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 $340,000 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 Willow Creek listing goes under contract in 23 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 Willow Creek varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Willow Creek
There are currently 1 homes listed for sale in Willow Creek, Montana.
Active listings
1
Homes on market
Avg. days on market
23
Days until sale
How much do homes cost in Willow Creek by property type?
How the Willow Creek, MT market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $340,000 | $265/sq ft | 1 | 23 days |
Who lives in Willow Creek?
American Community Survey estimates for Willow Creek. U.S. Census ACS, 2023
Population
162
Households
89
Median income
$68,542/yr
Median age
58.5 years
Owner-occupied
82.0%
Median home value
$218,800
Median gross rent
$856/mo
Mean commute
37.4 min
82.0% of occupied homes in Willow Creek 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 public schools serve Willow Creek?
3 schools tracked · 53 students
The largest public schools serving Willow Creek, 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.
Willow Creek School
Grades PK-6 · 34 students
Willow Creek 7-8
Grades 7-8 · 12 students
Willow Creek High School
Grades 9-12 · 7 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 Willow Creek, MT?
Ordered by distance from Willow Creek, not by size. Compare Willow Creek side by side with any of them.
Willow Creek housing market FAQ
Is Willow Creek a buyer's or seller's market?
Willow Creek, MT is currently a seller's market. That read comes from 1.0 months of supply, homes going under contract in about 23 days in the last month Redfin published (May 2026).
How much do homes cost in Willow Creek?
The median sale price in the last month Redfin published was $340,000, about $265 per square foot.
Is Willow Creek cheaper than the rest of Montana?
Willow Creek's median sale price of $340,000 is 36% lower than the Montana statewide median of $528,600, and 17% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Willow Creek?
Homes in Willow Creek, MT spent a median of 23 days on market before going under contract, versus 69 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Willow Creek?
At the current 30-year fixed rate of 7.03%, 20% down on a $340,000 home is about $1,815 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $77,790 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $68,542.
Are home prices rising in Willow Creek?
We do not hold a complete 12-month value series for Willow Creek, 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 Willow Creek?
Willow Creek 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 Willow Creek?
That depends on your timeline, not on a headline. What the data says today: Willow Creek, MT is a 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 $340,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.