Found 7 blog entries tagged as buying a home in bozeman.

Montana's 2026 Property Tax Shift: What It Means For Gallatin Valley (And Why Some Folks are Side-Eyeing It)

Montana's property tax laws are getting a major makeover starting January 1, 2026.

If you're a homeowner in the Gallatin Valley, whether that's Bozeman, Belgrade, Four Corners, or beyond, this matters to you. And while some of the changes feel like a win for full-time residents, there's a little more nuance beneath the surface.

Let's unpack it.

Why the Change?

Over the last few years, Montana's home values have skyrocketed, especially here in Gallatin Valley. But while home prices went up, our old property tax system didn't adjust. It was a flat rate: 1.35% across the board, whether you were living in your home full-time or renting…

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Understanding closing costs in bozeman: a clear guide for first-time buyers

For many first-time homebuyers, the process of purchasing a home is equal parts exciting and overwhelming. and somewhere along the way, often buried between conversations about pre-approvals, inspections and down payments, you'll hear the term closing costs.

If you're unfamiliar with what these actually entail, you're not alone. this is one of the most commonly misunderstood (and often overlooked) parts of the homebuying process.

Let's slow things down and walk through what closing costs actually are, what they typically include here in Bozeman, how your loan type plays a role, and how you can plan ahead with clarity and confidence.

what are closing costs?

In…

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How to Shop Mortgage Rates in Bozeman (Without Getting Overwhelmed)

Because you deserve more than a good rate: you deserve the full picture.

There’s a moment in every homebuying journey when the excitement of house hunting pauses and the reality of financing kicks in. And that’s where things can start to feel heavy. Mortgages are rarely anyone’s favorite part of the process, and for good reason. The industry isn’t always transparent, the terminology can be confusing, and most of us were never taught how to make sense of it all.

But here's the truth: shopping for a mortgage doesn’t have to feel like stepping into the deep end without a life vest. When you slow down and ask the right questions, you begin to see that the process can actually empower…

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Why Many Montana Homes Don’t Have A/C (And How to Keep Cool Without It)

If you're starting your home search in Bozeman, there's a good chance you’ve noticed something surprising: a lot of homes don’t have central air conditioning. For many buyers, especially those relocating from warmer, more humid parts of the country, that can be a bit of a shock.

But here in Montana, especially in Bozeman, A/C just hasn’t historically been a necessity. Thanks to our unique climate and a lifestyle that leans into natural rhythms, it’s entirely possible to enjoy summer comfortably and without the extra costs or upkeep of a central system.

Let’s take a deeper look at why so many Montana homes don’t have A/C, how to stay cool without it, and what to look for in a…

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Buying in Bozeman: How the Right Realtor Helps You Protect Your Investment

When people talk about real estate in Bozeman, the conversation usually starts with how beautiful it is here—and that part’s true. The mountains, the trails, the charming neighborhoods... it's easy to fall in love fast.

But underneath the surface, the market is shifting. Growth is steady, zoning is changing, and not every property is going to hold value the same way it might have five years ago.

A friend asked me recently,
“Take being a real estate agent out of the picture—do you really think buying a home is still a good investment?”

My answer?
Yes—if you buy with intention.
Yes—if you have someone on your side who knows where Bozeman is heading, not just where it’s…

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Home Buying Myth Debunked: You Don't Need 20% Down to Buy a Home in Bozeman

One of the most common things we hear from prospective homebuyers in Bozeman is, "We're waiting until we have 20% saved for a down payment." It's a familiar sentiment — but one that often leads to unnecessary delays in achieving homeownership. But here's the truth: You don't have to wait. And honestly? In a growing market like ours, waiting could end up costing you more.

Where the 20% down myth comes from

This idea stems from an old-school rule of thumb: put 20% down to avoid something called Private Mortage Insurance, or PMI. 

So what is PMI, exactly? Private Mortage Insurance is a type of insurance that protects the lender—not you—if you stop making payments on your…

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Spring Housing Market in Bozeman, MT

As we step into spring, many are watching the housing market with a sense of cautious optimism. With all the recent economic uncertainty and stock market ups and downs, it's easy to get nervous and wonder if the housing market is next. But don't panic--Bozeman's real estate market is showing some surprising strength. Local buyers and sellers are navigating the challenges, and several key trends suggest that the spring housing market in Bozeman is proving more resilient than expected. Let's take a look at what's going on using this week's statistics and why Bozeman's real estate market is looking strong this season.

median days on market trending downward

One of the most encouraging signs right now? Homes in…

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