Montana Property Tax Reform Explained | Good News or Bad News?

Montana Property Taxes 2025–2026 Explained | Big Changes for Homeowners, Rentals & STRs

Montana property taxes shocked homeowners in 2023—average bills jumped about 21%. In response, lawmakers passed major reforms that took effect in 2025, and early data shows real relief for many Montana homeowners.

???? Preliminary numbers suggest 8 out of 10 Montana residences saw property tax decreases of more than 5% from 2024 to 2025.

But that’s only part of the story.

What changed in Montana property taxes in 2025

Who benefited—and who paid more

How the system changes again in 2026

What homeowners, buyers, and investors need to know before they get surprised

How the new structure affects:

Primary residences

Long-term rentals

Second homes

Short-term rentals (Airbnb / VRBO)

Multi-family properties and renters

We also cover real-world risks, including:

High-value homes owned by fixed-income Montanans

“Unrealized gains” and why value ≠ income

Why second homes and STRs face higher taxes in 2026

The multi-family tax mistake and potential rent impacts

How these changes could affect buying power, cash flow, and pricing in Montana real estate markets

????️ About Montana Real Estate

Montana Real Estate breaks down:

Montana housing market trends

Property taxes and ownership costs

Investment strategy for Montana rentals

What out-of-state buyers need to know

This channel is brought to you by Siphers Family Real Estate, helping Montana buyers, sellers, and investors make smarter decisions with the full financial picture in mind.

⚠️ Disclaimer

This video is educational only and not tax or legal advice. Property tax outcomes depend on classification, location, and individual circumstances. Always verify with the Montana Department of Revenue and your tax professional.

???? Buying, Selling, or Investing in Montana?

If you’re thinking about:

Buying a home in Montana

Investing in a long-term or short-term rental

Planning for higher property taxes in 2026

Reach out to Siphers Family Real Estate. We can’t give tax advice—but we can help you ask the right questions and structure smarter decisions.
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???? Call or Text: (406) 360-9108
???? Our Website: https://www.montanarealestatepro.com/
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00:00 Introduction
02:16 Taxes as Political Football
04:03 2026 Property Tax Breakdown
04:51 The Core Concept: If Some Go Down, Others Go Up
05:50 High Value Doesn’t Mean High Income
07:41 What Changed in the Law: Tiered Structure (2025)
09:40 Two Buckets of Residential Property
10:24 The Multifamily “Blunder”
11:12 Pros and Cons (Straight Talk)
12:00 Cons / Risks (and Why People Are Upset)
12:46 Practical Checklist
13:58 Impacts to Montana Real Estate Market
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Montana is an extremely popular destination for those wanting fresh water, air and a safe environment. Siphers Family Real Estate has been helping buyers and sellers of Western Montana properties for over 57 years. Our level of knowledge of the area and the details of buying and selling Western Montana properties can be a huge benefit to our clients. Contact us on how we can best help you with your real estate needs. Discover the difference experience makes. We want to be your resource for finding the right property in Montana.
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**Most stats and data mentioned came from the following sites and are not based on our opinions:
Best Schools: https://www.greatschools.org

Census Data: https://www.census.gov/quickfacts

Neighborhood data: https://www.niche.com

All stats, data, house pricing, and anything else mentioned is always subject to change and is provided merely as an example at the time of this recording
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Craig Siphers Montana Real Estate License: 5636
Erica Siphers Montana Real Estate License: 88093

Brokered by EXIT Realty Bitterroot Valley South in conjunction with EXIT Realty Montana affiliated franchises.
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