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Learn about the people, housing, costs and businesses in Hays, Montana
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Hays.
True all-in cost — P&I, taxes, insurance & utilities for homes in Hays.
Find and compare lenders active near Hays.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Hays.
Seismic risk and earthquake insurance estimates for Hays.
Wildfire exposure and insurance estimates for Hays.
As of today, the 30-year fixed mortgage rate for Hays is approximately 6.884% (6.920% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for HaysThe median home value in Hays is $88k. The median monthly rent is $625. Home values are based on U.S. Census Bureau American Community Survey estimates.
Based on a typical all-in ownership cost of $356/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $15k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Hays is $52k/year.
Calculate your buying powerThe largest employment sectors in Hays are public administration (21%) and healthcare (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.