Buying a home in Montana isn’t an easy thing to do, and we get reports about how it's going to become even more difficult in the future.

Why Montana Housing Is Becoming Unaffordable

Some reports say that Montana will be the most unaffordable place to buy a home by 2030. When a list came across my social media feed with some of the most affordable mountain towns in the U.S. to buy a home, I was convinced there wasn’t going to be any town in Montana with affordable homes. I was wrong.

According to Moms Who Think, there is still a town in the country where you can purchase a home for less than $50,000. If you want to move to Johnstown, Pennsylvania, the median home value is $40,000.

The National Ranking of Affordable Mountain Towns

Moms Who Think ranked 50 towns across the country with affordable median home prices. They also looked at median incomes using U.S. Census data and took into account rankings from Niche.com, which evaluates school rankings across the country for families.

READ MORE: Trends in Real Estate: What Buyers Want in Montana Homes

The number one place on their list was Johnstown, but Hays, Montana, came in second on their rankings for affordable homes. The median price for a home in Hays is $63,600, with a median income of $49,423, and a Niche ranking of a C-.

Get our free mobile app

Hays is located on the south end of the Fort Belknap Indian Reservation in north-central Montana, with a population of around 1,000 people. Hays is about an hour and a half away from Havre or Lewistown.

The Pros and Cons of Living in Montana

Sometimes a place's strengths are the same as its weaknesses.

Top 10 Richest Neighborhoods In Montana

As Montana continues to grow in population, the real estate prices continue to rise. While some parts of the state might still be a bargain, much of Montana is overpriced compared to what many locals can afford. Now, Money Inc. has come out with the richest neighborhoods in Montana, and we have the Top 10 below.

Gallery Credit: Derek Wolf