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Cap Rate Analysis: Great Falls, MT

Investment metrics, interactive calculators, and data-driven analysis for Great Falls rental properties.

Challenging for pure cash flow
Based on $245,000 median price and $1,150/mo median rent
Est. Cap Rate
3.76%
1% Rule
0.47%
Fails
GRM
17.8x
Price / Income
5.0x

Market Data

Median Home Price$245,000
Median Monthly Rent$1,150
Property Tax Rate0.76%
Population60,000
Population Growth0.3% / yr
Median Household Income$48,600
Vacancy Rate5.5%
Annual Appreciation2.2%

Cap Rate Calculator — Great Falls

Pre-filled with Great Falls medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.76% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.15%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$7,713
net operating income
Gross Rent Multiplier
17.8x
High (>15)
1% Rule
0.47%
✗ Fails
Monthly Cash Flow
$643
before debt service
Annual Breakdown
Gross Rental Income$13,800
Less Vacancy−$759
Effective Income$13,041
Less Operating Expenses−$5,328
Net Operating Income$7,713

Cash-on-Cash Return — Great Falls

Factor in financing to see your actual return on invested capital in Great Falls.

$
$61,250
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-9.29%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$68,600
$61,250 down + $7,350 closing
Monthly Mortgage
$1,198
on $184K loan
Monthly Cash Flow
$-531
after all expenses
Annual Cash Flow
$-6,371
before taxes
Cash Flow Breakdown
Monthly Rent$1,150
Less Expenses−$483
Less Mortgage−$1,198
Monthly Cash Flow$-531

Is Great Falls a Good Place to Invest in Rental Property?

Great Falls, MT has a population of 60,000 and has been growing at 0.3% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $245,000 paired with median rents of $1,150/mo produces an estimated cap rate of 3.76%.

Property taxes at 0.76% are well below the national average of ~1.1%, providing a meaningful cash flow advantage many investors overlook. The vacancy rate of 5.5% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.0x, homes cost about 5.0 times the local median income of $48,600. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.2% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Great Falls is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

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