Montana foreclosures and housing market

How foreclosure works in Montana, which counties lean to buyers or sellers, and how many homes are for sale right now.

How's the market in Montana?

A buyer's market.

Listings spent about 85 days on the market, and 16% had a price cut in October 2026.

State

County

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Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.

Distressed properties in Montana

Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.

Representative photo

We are not tracking properties in Montana yet

Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for Montana.

The closest place we track is Utah, with 128 properties.

The Montana market in October 2026

Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.

Most buyer-friendly counties

Lowest scores among counties with 50+ homes for sale.

Most seller-friendly counties

Highest scores among counties with 50+ homes for sale.

Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.

Non-judicial

How foreclosure works in Montana

Most Montana foreclosures are non-judicial under the Small Tract Financing Act, which covers loans on 40 acres or less.

Main steps and notices: The lender records the notice of sale and mails it at least 120 days before the sale.
It's posted on the property at least 20 days before and published once a week for three weeks, the last at least 20 days before.
No deficiency judgment is allowed after a sale under the Act.
Catching up before the sale: The borrower can reinstate any time up to the sale.
After the sale: There is no right to redeem after a sale under the Act.
Before any of this starts: Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
Governing law: Montana Code § 71-1-301 et seq.

Sources

General information, not legal advice.

Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.

Go deeper

Montana questions

Is foreclosure in Montana judicial or non-judicial?

Most Montana foreclosures are non-judicial under the Small Tract Financing Act, which covers loans on 40 acres or less.

Can a homeowner get the home back after a foreclosure sale in Montana?

There is no right to redeem after a sale under the Act.

Can a borrower in Montana catch up on the loan before the sale?

The borrower can reinstate any time up to the sale.

Is Montana a buyer's or seller's market right now?

A buyer's market. Montana scores 39 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 85 days on the market, and 16% had a price cut in October 2026. Source: Realtor.com® Economic Research.

How far behind does a borrower have to be before foreclosure starts?

Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.