Kalispell, Montana.
Typical home $556,201 (+1.8% in a year), asking rent $1,888 (+3.1%). Kalispell, MT metro.
to buy the typical home at today's mortgage rate — +$1,768 (+153%) since Jan 2020.
- 1 year
- Up $10,068 +2%
- $546,134$556,201 since Sep 2025
- 5 years
- Up $89,005 +19%
- $467,197$556,201 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Kalispell$2,919
- Montana$2,453
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Kalispell, MT rose 1.8% over the past year — faster than the nation's +1.2%.
Asking rents in Kalispell, MT rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Kalispell runs $1,897/mo more than renting one. The gap peaked at $2,029 in Jan 2025.
That is $3,785 a month against $1,888 rent: a $2,919 mortgage payment, plus $270 property tax and $595 insurance & upkeep.
Owning vs renting — Kalispell
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,785
- Renting$1,888
- Mortgage only$2,919
Property tax · $270/mo 0.58% of value a year — the ACS 2020-2024 median bill over the median home value for Flathead County, MT
Insurance & upkeep · $595/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Kalispell, Flathead County, Montana
Kalispell is a city of 24,558 people in Flathead County. Half its households earn more than $63,415 a year and half less, against $73,925 across Flathead County; 10% of its people live below the poverty line. 55% of its homes are lived in by their owners and 45% are rented. Unemployment in Kalispell was 2.4% in August 2026, and Flathead County had 0.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Kalispell is a small city in Flathead County, with a younger population than many places where homeowners look to settle. Most homes are lived in by their owners, and the rest are rented. Household incomes run below the county's, and a typical home costs a good deal, with rents that are not low either.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants and hotels, and in the building trades. Logan Health Medical Center, Walmart and the Kalispell elementary schools are among the largest workplaces in town. Unemployment has eased over the past year, the commute to work is short, and a good number of people work from home.
Things to do. Lone Pine State Park, a protected area, and the Northwest Montana History Museum are both in or beside town. For water, Flathead Lake is a longer drive away, and Whitefish Mountain Resort, a ski area, is also a longer drive. Winters are cold and snowy, and summers are pleasantly warm.
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- 11,795households
- 35%of adults have a degree
- 10%below the poverty line
- 15 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Flathead County had 51,035 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 16°; warmest in July, with highs near 82° and lows near 48°. About 54 inches of snow and 17 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Kalispell Glacier Airport weather station, 7 miles away (NOAA).
Largest workplaces in Kalispell
- Logan Health Medical CenterGeneral hospital3,077FTE
- WalmartWarehouse clubs and supercenters388
- Kalispell Elem SchoolsSchool district384FTE
- Flathead H S SchoolsSchool district322FTE
- Flathead Valley Community CollegeTwo-year college289
- Costco WholesaleWholesale grocer266
- UPSCouriers and express delivery services169
- TargetDiscount department stores158
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 5,744 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- AvalanchesRelatively high
- Cold wavesRelatively high
- Winter weatherRelatively high
- EarthquakesRelatively high
- Inland floodingRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Kalispell’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Flathead County and the Kalispell, MT metro.
Kalispell home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Kalispell$556,201
- Montana$467,275
- United States$366,157
Sellers are cutting prices on about 1 in 4 Kalispell listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Kalispell27.41%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Kalispell518
New listings per month
Sellers arriving at the market.
- Kalispell81
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Kalispell$560,456
- United States$371,407
Zip codes with a Kalispell address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Kalispell — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.