Loma, Montana.
Typical home $350,997 (+6.0% in a year).
to buy the typical home at today's mortgage rate — +$1,200 (+187%) since Jan 2020.
- 1 year
- Up $19,795 +6%
- $331,202$350,997 since Sep 2025
- 5 years
- Up $113,871 +48%
- $237,126$350,997 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.
- Loma$1,842
- Montana$2,453
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Loma, MT rose 6.0% over the past year — faster than the nation's +1.2%.
Living in Loma, Chouteau County, Montana
Loma, in Chouteau County, had 65 people in the 2020 census. Half its households earn more than $51,227 a year and half less, against $58,218 across Chouteau County. Unemployment in Chouteau County was 2.8% in August 2026, and the county had 0.6% fewer jobs in 2025 than the year before. The most people in Chouteau County work in farming, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Loma is a small community in Chouteau County, in north-central Montana, and most of its residents are older. Winters here are colder than in most of the country and bring a good deal of snow, while summers are warm. Household incomes in Loma sit below the county's.
Work. Many residents work in farming, forestry and mining, or in schools, hospitals and social care. Others work for government or in local retail shops.
Things to do. The Marias River runs in or beside town and is one of the best known rivers nearby. The Teton River is also in or beside town, so both are close by for walking the banks or spending time on the water.
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What people in Chouteau County work in
Employed residents by industry, from the Census survey. Chouteau County had 1,230 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 7°; warmest in July, with highs near 88° and lows near 53°. About 36 inches of snow and 13 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Loma weather station, a mile away (NOAA).
Largest workplaces in Chouteau County
- IND HempDecorticating flax56
- Fort Benton Elem SchoolsSchool district45FTE
- Big Sandy Medical CenterCritical access hospital41FTE
- Big Sandy ActivitiesRehabilitation job counseling and training, vocational38
- Big Sandy K-12 SchoolsSchool district36FTE
- BmrmcCritical access hospital25FTE
- Highwood K-12 SchoolsSchool district24FTE
- CHSFarm supplies merchant wholesalers20
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 114 people in all across the county; Loma has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesVery high
- Winter weatherVery high
- LightningVery high
- Inland floodingVery high
- WildfireRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Loma’s census tracts, against the rest of the country; all of them together, very 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 Chouteau County.
Loma home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Loma$350,997
- Montana$467,275
- United States$366,157
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.
Zip codes with a Loma address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Loma — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.