Roy, Montana.
Typical home $302,824 (-3.3% in a year).
to buy the typical home at today's mortgage rate — +$1,141 (+255%) since Jan 2020.
- 1 year
- Down $10,243 -3%
- $313,066$302,824 since Sep 2025
- 5 years
- Up $107,306 +55%
- $195,517$302,824 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.
- Roy$1,589
- Montana$2,453
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 8 years.
Typical home values in Roy, MT fell 3.3% over the past year — slower than the nation's +1.2%.
Living in Roy, Fergus County, Montana
Roy, in Fergus County, had 96 people in the 2020 census. Half its households earn more than $51,875 a year and half less, against $63,706 across Fergus County. Unemployment in Fergus County was 2.5% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most people in Fergus County work in schools and health care, then farming.
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 It can be wrong or out of date.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. Roy is a small community in Fergus County, in central Montana. Its population is very small, and its household incomes are lower than the county's as a whole. Winters are cold and snowy, and summers are warm, with a modest amount of rain and melted snow each year.
Work. Many residents work in schools, hospitals and social care, or in farming, forestry and mining. Building trades and local shops also employ people here. Unemployment in the county has eased over the past year, and jobs have grown slightly.
Things to do. Bear Gulch Limestone, a protected area, lies a longer drive away. Armells Creek, a river, is also a longer drive away. Both offer a quiet change of scene for those who are willing to travel a little farther.
Report a mistake
- 5%work from home
What people in Fergus County work in
Employed residents by industry, from the Census survey. Fergus County had 4,697 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 10°; warmest in July, with highs near 86° and lows near 54°. About 36 inches of snow and 13 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Roy Northeast weather station, 12 miles away (NOAA).
Largest workplaces in Fergus County
- Central Montana Medical CenterCritical access hospital222FTE
- Lewistown Elem SchoolsSchool district139FTE
- Century CompaniesRoad construction123
- AlbertsonsSupermarkets and other grocery stores104
- Spika Design and ManufacturingFabricated structural metal manufacturing72
- Fergus H S SchoolsSchool district52FTE
- Office of the Secretary of the InteriorFederal government · Department of the Interior48
- Kiewit Infrastructure CoBridge construction36
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 739 people in all across the county; Roy has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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
- HailRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Roy’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 Fergus County.
Roy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Roy$302,824
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Roy7
Zip codes with a Roy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Roy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Roy
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 59489 | Winifred | 424 | — | $279,949 |
| 59471 | Roy | 318 | — | $254,284 |