Is Renovating an Older Gallatin Valley Home Worth It in 2026?

About 29 percent of Gallatin County's homes were built before 1980. Here is the math, the four loan programs that fund the work, the permit rules town by town, and what a house older than its owner tends to hide.

Weighing a 1970s Belgrade split-level with a six-figure punch list against a move-in-ready house at the county median? This guide is for buyers deciding whether an older Gallatin Valley home is worth renovating, and for owners deciding whether to renovate or sell. It covers the 2026 numbers, the loans that pay for the work, the permits in each town, and what a pre-1980 house usually keeps to itself.

The short answer: Renovating is worth it when three things line up. The purchase price plus the contractor's bids plus the cost of carrying the house during the work lands comfortably under what the finished home would appraise for. The work itself is the kind that holds value, with kitchens kept modest and roofs and windows treated as maintenance rather than investment. And a licensed contractor can start inside the loan's completion window. It is not worth it when the renovation is the only reason you can afford the house.

How Old Is the Gallatin Valley's Housing Stock?

Younger than most of Montana, older than its reputation. The Census Bureau's 2020 to 2024 American Community Survey counts 57,568 housing units in Gallatin County with a median year built of 1998. Roughly 29 percent were built before 1980 and roughly 53 percent before 2000, and those shares swing hard from one town to the next.

The town-level figures below come from the Census Bureau's DP04 housing profile for Gallatin County and the same table for each municipality, with median year built from table B25035. The before-1980 and before-2000 columns are sums of the published decade bins, and the two smallest towns carry wide margins of error, so read them as the shape of the stock rather than a count.

Two patterns matter for a buyer. First, Bozeman holds the valley's deepest pre-war stock, about 9 percent of its homes, which is the craftsman and bungalow inventory that sits inside the city's conservation overlay and carries its own permit layer, covered below. Second, Manhattan and Three Forks are the oldest housing markets in the county by a wide margin, with nearly half of their homes built before 1980 and one in four or five dating to 1939 or earlier. Belgrade is the youngest, with a median year built of 2002 and fewer than one home in five from before 1980.

That distribution is why the renovation question comes up so often on the west side of the valley. Buyers looking for acreage near Bozeman without Bozeman pricing tend to land in the older towns, and the house on the acreage tends to be the age of the town.

When Does Renovation Math Beat Move-In-Ready in 2026?

When the all-in cost sits clearly under the as-completed value and the market gives you time to be choosy. Gallatin County's single-family median was $795,000 in August 2026 with 5.0 months of supply, per Big Sky Country MLS. A looser market puts dated homes within reach. Only the arithmetic says whether one of them is a bargain.

Start with the market. The Big Sky Country MLS market review for August 2026, published by the Southwest Montana Association of REALTORS, shows 105 closed single-family sales in Gallatin County, down 18.6 percent from August 2025, a median sale price of $795,000, down 0.5 percent from a year earlier, a median of 18 days on market, sellers receiving 97.9 percent of final list price, 171 new listings, up 17.9 percent, and 5.0 months of supply, up 18.1 percent year over year. More listings and fewer closings mean more time to inspect, bid, and walk away. A renovation purchase needs every day of that.

Then run the equation. Four inputs on one side:

1. The purchase price. What the house closes at, not the list.
2. The renovation bids, from a licensed contractor, with a contingency of 10 to 15 percent on top. Older houses hide their surprises behind drywall, and the contingency is where the surprise gets paid for.
3. The carrying cost. Mortgage payments during the work, at the 6.95 percent average 30-year rate Freddie Mac reported for the week of September 17, 2026, plus rent if you cannot live in the house while the work is underway.
4. The fees. Permits, the loan's consultant and draw inspection charges, and the closing costs a renovation loan adds to what it already costs to close on a home in Montana.

On the other side, the as-completed appraisal: what a licensed appraiser says the house will be worth when the scope is finished. If the first side lands within a few percent of the second, you are buying a project at retail. If it lands 10 percent or more under, the project pays you for your patience.

A worked example, with round numbers and no particular house in mind. Say a 1976 home in Belgrade closes at $560,000, the contractor's bid for a kitchen, two baths, a roof, and windows comes in at $110,000, and the as-completed appraisal is $720,000. Purchase plus renovation is $670,000, and with a $13,000 contingency and six months of carrying cost the all-in figure is around $710,000. That is a project at retail: the finished house is worth about what it cost to create, and the buyer's reward is a home built to their taste rather than equity. Change the appraisal to $780,000 and the same project clears by $70,000. Change the bid to $160,000 and it goes underwater. The appraisal and the bid decide the question, and both exist before you close.

Which projects recoup is well documented. The 2025 Cost vs. Value Report from Zonda tracks what remodeling projects cost and what they return at resale, nationally and by region. The Mountain region figures are the closest published fit for the Gallatin Valley.

Source: 2025 Cost vs. Value Report, www.costvsvalue.com.

Read the table as a rule, not a menu. A modest kitchen refresh returns more than it costs in both the national and Mountain figures. A major kitchen remodel returns half. Roofs and windows are maintenance: buyers expect them to be sound, and they subtract for a bad one more than they pay for a new one, which is why their recoup runs between two-thirds and four-fifths. The renovation that beats move-in-ready is usually the one that fixes what is broken, refreshes what buyers see first, and stops there. The post on what your Gallatin Valley home is worth in 2026 makes the same point from the seller's side.

One comparison the table does not settle is renovate versus build. Land, well, septic, and a construction loan change the whole equation, and buying an existing home versus building in the Gallatin Valley covers that fork on its own.

Which Renovation Loans Work for an Older Montana Home?

Four programs fold the purchase and the renovation into one mortgage: FHA's Limited and Standard 203(k), Fannie Mae's HomeStyle Renovation, Freddie Mac's CHOICERenovation with its CHOICEReno eXPress variant, and the VA's alteration and repair provision for eligible veterans. Each caps the work differently, and the cap usually decides which one fits a given house.

FHA 203(k). HUD runs two versions, and Mortgagee Letter 2024-13 reset both for case numbers assigned on or after November 4, 2024. The Limited 203(k) caps total rehabilitation costs at $75,000, allows nine months to finish, may only be used for minor remodeling and nonstructural repairs, and does not require a consultant. The Standard 203(k) starts at a $5,000 minimum, allows 12 months, covers structural alterations including additions and finished attics and basements, and requires a HUD-approved 203(k) consultant, per HUD Handbook 4000.1. The base loan may not exceed 110 percent of the after-improved value. Neither version will finance what HUD calls luxury items: new swimming pools, exterior hot tubs, outdoor fireplaces, tennis courts, gazebos. For 2026, HUD's county limits file sets Gallatin County's one-unit FHA ceiling at $718,750, above the national floor.

Fannie Mae HomeStyle Renovation. The conventional workhorse. Fannie Mae's Selling Guide limits renovation costs to 75 percent of the lesser of the purchase price plus renovation costs, or the as-completed appraised value. Work must be finished within 15 months of closing, there is no minimum renovation amount and no restriction on the type of work as long as it is permanently affixed, and outdoor structures including pools qualify where zoning allows. A complete tear-down and rebuild does not. The down payment follows Fannie Mae's standard matrix, which the FDIC's lender guide summarizes as allowing up to 97 percent loan-to-value on a one-unit primary residence; confirm the current figure with your lender. The loan itself is bound by the conforming limit, which the Federal Housing Finance Agency set at $832,750 for one-unit properties in 2026. Gallatin County sits at that baseline with no high-cost bump.

Freddie Mac CHOICERenovation. The same 75 percent cap, spelled out in Freddie Mac's Guide section 4607.7, with 450 days from the note date to complete the work and a 90-day extension available. The smaller CHOICEReno eXPress version caps renovation at 10 percent of the as-completed value, or 15 percent in designated high-needs areas, with 180 days to finish, and it is built for cosmetic work that does not need an inspection-heavy process. Freddie Mac's eligible-work rules allow pools, decks, and porches and prohibit razing the house to build a new one.

VA alteration and repair. Veterans with entitlement can fold repairs into a VA purchase loan. VA Pamphlet 26-7, Chapter 7 says VA may guarantee a loan for alteration and repair made in conjunction with a purchase, provided the alterations and repairs are those ordinarily found on similar property of comparable value in the community, and the cost may be included to the extent the property's value supports the loan amount. VA publishes no dollar cap and no completion deadline for this provision. In practice, not every VA lender offers it, so a veteran buyer should ask that question on the first call rather than the last. The related question of taking over a seller's existing loan is covered in whether you can assume a seller's VA or FHA loan in Montana.

The practical sorting rule: a $40,000 cosmetic scope on a house under the FHA limit fits a Limited 203(k) or CHOICEReno eXPress. A structural scope, or anything over $75,000, means Standard 203(k), HomeStyle, or CHOICERenovation. A house priced above $718,750 rules out FHA in Gallatin County and points to the conventional programs.

How Does the Draw Process Work on a Renovation Loan?

The renovation money never lands in your checking account. It sits in an escrow account the lender controls, and the contractor is paid in draws as inspections confirm each stage of the work, against bids and a scope that were finalized before closing. The clock on the completion window starts the day the loan funds.

The sequence is the same across programs, with the paperwork varying. Before closing, the contractor produces a written bid for a defined scope, the lender or consultant reviews it, and the appraiser values the house as if that scope were already finished. At closing, the renovation funds go into escrow. During the work, the contractor requests a draw, an inspector confirms the stage is complete, and the lender releases that portion. At the end, a final inspection closes the escrow and any unused contingency is applied to the loan balance.

FHA's consultant schedule in Mortgagee Letter 2024-13 shows what the process costs on a Standard 203(k): a feasibility study at $375, a work write-up at up to $1,000 for repairs of $50,000 or less, up to $1,200 between $50,001 and $85,000, and up to $1,400 between $85,001 and $140,000, each draw inspection at no more than $375, a change order at $120, and mileage when the consultant travels more than 15 miles to the property. HUD also defines the line between Limited and Standard by the process itself: a Limited 203(k) fails if the repairs need more than two payments per specialized contractor, need a consultant's write-up or architectural exhibits, or keep the borrower out of the house for more than 30 days in total.

Three consequences follow for an older Gallatin Valley home. The scope has to be right before closing, because a change order is slow and costs money on every program. The contractor has to accept draw-based payment, and some good ones will not, which narrows the field. And the completion window is a real deadline: nine months on a Limited 203(k), 12 on a Standard, 15 on HomeStyle, 450 days on CHOICERenovation, with limited extensions. In a valley where contractors are booked out, the window matters as much as the cap.

Can You Find a Contractor in the Gallatin Valley This Year?

Yes, with lead time, and the lead time is the point. Montana's construction workforce passed 39,000 jobs in 2024 and has added more than 7,000 since 2019, the most of any industry in the state, yet the labor commissioner says the industry is undersupplying demand in every region. Book the bid before the offer, not after.

The Montana Department of Labor and Industry's construction sector analysis, released in January 2026, puts the industry at over 39,000 jobs in 2024, the fifth largest employer in the state, at a $71,250 average annual wage, with over 3,700 annual openings projected across the next ten years and Gallatin County adding the most private construction jobs of any county. The commissioner's own phrase in that release is that the state is undersupplying the demand in every region of Montana.

The national picture is tighter still. The Associated General Contractors' 2025 workforce survey found 92 percent of firms having difficulty filling hourly craft positions, 45 percent reporting project delays because of shortages, and 57 percent saying available candidates are not qualified. AGC's Montana fact sheet counted 38,300 construction jobs statewide in July 2025, up 24 percent from February 2020.

What that means for a renovation buyer: the contractor who can start in 60 days and finish inside a nine-month window is scarcer than the house. Get the bid, the start date, and the license before the offer. Montana's Department of Labor and Industry licenses construction contractors, a system converted from registration at the start of 2026, and the state's license search lets you confirm a contractor before the first meeting. Any contractor with employees must be licensed, and one who cannot be found in that search should not be bidding on a loan-funded scope.

What Permits Does an Older-Home Renovation Need in Gallatin County?

It depends on which side of a city limit the house sits. Bozeman, Belgrade, and Manhattan each run a building department that permits remodeling, electrical, plumbing, and mechanical work, and Bozeman adds a historic-preservation review for older homes. Outside those limits, Montana requires no building permit for a single-family home, though septic, floodplain, and zoning rules still apply.

Bozeman. The city's building division handles residential alteration permits for remodeling that adds no square footage, with stand-alone permits for electrical, plumbing, mechanical, re-roofing, re-siding, decks, and demolition, and it states plainly that every job site needs an active permit. Bozeman builds to the 2021 International Residential Code and notes that Montana plans to adopt the 2024 code family in mid-2026, so ask which edition your permit will be reviewed under. The older the house, the more likely a second layer applies: the city adopted its Neighborhood Conservation Overlay District in 1991, more than 4,000 properties sit inside it, and any exterior change to a structure within the district requires a Certificate of Appropriateness from the Planning Division before a building permit is issued. That covers siding, windows, roofing profile, and additions, which is much of what a pre-war remodel involves. The program is under revision as the city's Landmark Program, so confirm current rules with Planning before the scope is final.

Belgrade. The city requires a permit for anyone who intends to construct, enlarge, alter, repair, move, or demolish a building, or to install, alter, or replace any electrical, gas, mechanical, or plumbing system, per its building department. Residential accessory buildings under 200 square feet are the common exemption. Belgrade also builds to the 2021 IRC.

Manhattan. The town's building and zoning office requires a permit to erect, enlarge, alter, repair, or improve a structure, including mechanical, plumbing, and electrical work, and its permit guide lists roof replacement, foundation repair, heating system and gas piping replacement, and window and wall openings among the jobs that need one. Detached buildings of 120 square feet or less and fences up to six feet do not.

Three Forks and the unincorporated county. The state's building codes bureau is direct: a building permit is not required for a single-family residence unless the home sits inside a local government jurisdiction that requires one by ordinance. Montana's list of certified local building programs names Belgrade, Bozeman, Manhattan, and West Yellowstone in Gallatin County. Three Forks and the county itself are not on it. A renovation on acreage outside those towns needs no residential building permit, which is not the same as no rules: the county Planning Department administers zoning districts and floodplain permits, and since July 1, 2026, the former Belgrade planning area has been under county jurisdiction. Buyers should also know that no permit means no inspection record. On a house outside town limits, the inspection you order is the only inspection that has ever been done, and what a Montana home inspection covers matters more there than anywhere in the valley.

Septic, everywhere outside a sewer district. The Gallatin City-County Health Department always requires a permit before a wastewater system is installed, and its land-related FAQ explains the rule that catches renovators: a septic system is sized by bedroom count, a bedroom is any room that is or may be used for sleeping, and an unfinished basement counts as an additional bedroom. Finish a basement or add a bedroom beyond the number on the permit and the home is out of compliance with its septic permit; the fix is a site evaluator and a redesigned system. The county does not require a septic inspection at the time of sale, so a buyer who wants to know the permitted bedroom count has to ask for the permit.

What Does a Pre-1980 Home Tend to Hide?

Lead paint, asbestos, an electrical service sized for 1970, and a history of work no one permitted. Federal law requires lead-safe certified contractors for any paid work that disturbs paint in a pre-1978 home. Montana does not regulate asbestos in single-family houses, which means no one is required to test for you. And the state's disclosure statute binds the agent, not a form.

Lead. The Environmental Protection Agency's Renovation, Repair and Painting rule requires that anyone paid to perform work that disturbs painted surfaces in a home built before 1978 be certified, and that their employees be trained in lead-safe work practices. On a 1950s Manhattan house that means containment, cleanup, and a certified firm, which adds cost and time to every window and trim job. A contractor who has never heard of the rule is telling you something.

Asbestos. Montana's Department of Environmental Quality does not regulate asbestos in single-family residences or in housing with four or fewer units, and it states that no inspection is required by rule for a house. The state's project permit rules, which begin at 10 square feet, 3 linear feet, or 3 cubic feet of regulated material, apply to commercial and larger residential buildings. For a home, the absence of a rule is the risk: nobody is obliged to check the 1960s floor tile, pipe wrap, or popcorn ceiling before your contractor cuts into it. A sample sent to an accredited lab before demolition is the buyer's own decision, and a cheap one.

Disclosure. Montana's statute puts the duty on the licensee. Under MCA 37-51-313, a seller's agent must disclose to a buyer any adverse material facts about the property that are known to the agent, but is not required to inspect the property or verify the seller's statements, and must say so when the agent has no personal knowledge of the facts. The statute does not prescribe a seller disclosure form. On an older house, that puts the weight on the buyer's inspection and the buyer's questions: when was the roof done, who did the electrical, was the basement finished under a permit, what did the septic permit allow.

Systems. The items a general inspection flags most often on pre-1980 valley homes are the ones a renovation loan then has to fund: a 100-amp electrical panel that will not carry a modern kitchen, galvanized supply lines, single-pane windows, and insulation well below the 2021 energy code Bozeman and Belgrade now enforce. None of these is a reason to walk. Each is a line item that belongs in the bid before the offer, not in a change order after closing.

How Does a Renovation Change Your Property Taxes and Rebates?

The Department of Revenue revalues remodeled property at the next two-year reappraisal, and a substantial remodel can produce a notice in the off year. The homestead rate softens the increase on a primary residence. The federal energy credit ended for property placed in service after December 31, 2025, but NorthWestern Energy's rebates on existing homes run through June 2027.

Montana reappraises residential property every two years under MCA 15-7-111, and the same section directs the department to value newly constructed, remodeled, or reclassified property consistently with the rest of its class. The Legislative Fiscal Division's 2025 property tax overview adds that when new construction changes a property's value during a cycle, the owner receives a notice in the second year as well. A $110,000 renovation does not add $110,000 of assessed value, but it does not go unnoticed either; the increase shows up at the next valuation, and it is taxed at whichever residential rate the home qualifies for.

That rate is the lever. For tax year 2026, the Department of Revenue's homestead schedule taxes a qualifying principal residence at 0.76 percent on the first $378,000 of market value, 0.90 percent from $378,001 to $756,000, 1.10 percent from $756,001 to $1,511,999, and 1.90 percent above that. A home that does not qualify, including a second home or one owned by an LLC, pays a flat 1.90 percent on all of it. The application window for the 2027 tax year runs from May 4, 2026 to March 1, 2027. Whether the renovated house will be your home for at least seven months of the year is a question worth answering before the closing date, and whether you qualify for Montana's reduced homestead tax rate walks through the tests.

On rebates, the federal picture changed. The Internal Revenue Service confirms that the Energy Efficient Home Improvement Credit under section 25C is not allowed for property placed in service after December 31, 2025, under Public Law 119-21. A 2026 window or heat pump job gets no federal credit. The utility rebates are still live: NorthWestern Energy's E+ residential program for existing electric homes, effective August 1, 2026 through June 30, 2027, pays $450 per qualifying central heat pump and $70 per qualifying thermostat, and its natural gas insulation rebate pays $0.45 to $0.55 per square foot for attic insulation and $0.60 per square foot for basement and crawlspace walls. The forms say existing homes and new materials only, and work completed before August 1, 2026 does not qualify. Neither form lists windows.

What Should You Do This Week Before Offering on an Older Home?

Six things, all of them possible before an offer and most of them free. Renovation purchases go wrong in the gap between falling for a house and finding out what it costs, and every item below closes part of that gap.

1. Pull the year built and the permit history. The county's property record shows the year built; the city building department, if the house is inside one, shows what was permitted since. A 1972 house with a finished basement and no basement permit is a question, not a defect, but it is a question to ask now.
2. Get one contractor bid before you write the offer, and two before you close. Confirm each bidder in the state license search, ask for a start date in writing, and ask whether they will work on draw-based payment. A contractor who says no to draws has just told you which loans are off the table.
3. Run the 75 percent test and the all-in test on paper. Purchase price plus bid plus 15 percent contingency plus six months of carrying cost, against the lender's preliminary as-completed value. If the margin is under 10 percent, the project is at retail. Decide whether you are buying equity or buying taste, and be honest about which.
4. Ask for the septic permit and count the bedrooms. If the house is outside a sewer district, the permitted bedroom count is the ceiling on your floor plan until a site evaluator says otherwise.
5. Check the overlay map if the house is in Bozeman. A property inside the Neighborhood Conservation Overlay District needs a Certificate of Appropriateness before any exterior change, and that review belongs in the timeline before the loan's completion clock starts.
6. Match the loan to the scope before you fall in love with either. Under $75,000 and cosmetic: Limited 203(k) or CHOICEReno eXPress. Structural or larger: Standard 203(k), HomeStyle, or CHOICERenovation. Over $718,750: conventional only. Eligible veteran: ask the lender on the first call whether they do alteration and repair.

The Bottom Line

An older Gallatin Valley home is worth renovating when the finished house is worth clearly more than the purchase, the bids, and the wait combined, when the work is the kind that holds value, and when a licensed contractor can start inside the loan's window. In 2026 the market gives buyers time to check all three: 5.0 months of supply, 171 new listings in August, and a median that has stopped climbing. The loans exist, the rebates exist, the permit rules are knowable town by town, and the hazards in a pre-1980 house are predictable enough to price. What the valley does not have in surplus is contractors. Get the bid first. Everything else follows from it.

Frequently Asked Questions

Is it cheaper to renovate an older home or buy move-in-ready in the Gallatin Valley?

It depends on the specific house, and the test is arithmetic, not instinct. Add the purchase price, the licensed contractor's bid, a 10 to 15 percent contingency, and the cost of carrying the home during the work, then compare the total to the as-completed appraisal. If the total sits 10 percent or more under the appraisal, renovating creates equity. If it lands within a few percent, you are paying retail for a house built to your taste. Gallatin County's single-family median was $795,000 in August 2026.

What is the maximum FHA 203(k) renovation amount in 2026?

The Limited 203(k) caps total rehabilitation costs at $75,000, a limit HUD raised from $35,000 for case numbers assigned on or after November 4, 2024. The Standard 203(k) has no fixed cap; instead the base loan may not exceed 110 percent of the after-improved value, with a $5,000 minimum repair amount. Both are bound by the FHA loan limit, which for Gallatin County in 2026 is $718,750 for a one-unit home.

Can you use a VA loan to renovate a home in Montana?

Yes, within limits. VA Pamphlet 26-7 allows VA to guarantee a loan for alteration and repair made in conjunction with a purchase, provided the repairs are those ordinarily found on similar property of comparable value in the community and the property's value supports the loan amount. VA publishes no dollar cap and no completion deadline for the provision. Not every VA lender offers it, so an eligible veteran should ask on the first call.

Do you need a permit to remodel a house in Bozeman?

Yes. Bozeman requires a residential alteration permit for remodeling inside an existing home and separate permits for electrical, plumbing, mechanical, re-roofing, re-siding, decks, and demolition. If the house sits inside the Neighborhood Conservation Overlay District, which covers more than 4,000 properties, any exterior change also requires a Certificate of Appropriateness from the Planning Division before the building permit is issued. Belgrade and Manhattan run their own permit programs with similar scope.

Do you need a building permit to renovate outside city limits in Gallatin County?

No residential building permit is required. Montana's building codes bureau states that a permit is not required for a single-family residence unless the home sits inside a local government jurisdiction that requires one, and Gallatin County and Three Forks are not on the state's list of certified local programs. County zoning, floodplain permits, and the health department's septic permit still apply, and a septic system sized for three bedrooms does not become a four-bedroom system when a basement is finished.

Which renovations recoup the most at resale?

Modest ones. The 2025 Cost vs. Value Report puts a midrange minor kitchen remodel at 112.9 percent of cost recouped nationally and 110.3 percent in the Mountain region, while a major kitchen remodel recoups 50.9 percent nationally and 49.3 percent in the Mountain region. A midrange bath remodel returns 80.0 percent nationally and 69.4 percent in the Mountain region. Vinyl windows and asphalt roofing land between 67 and 80 percent because buyers treat them as maintenance they expect rather than upgrades they pay extra for.

Does renovating raise property taxes in Montana?

It can, at the next valuation. Montana reappraises residential property every two years and values remodeled property consistently with the rest of its class, and a substantial remodel can produce a valuation notice in the second year of a cycle. The rate applied depends on the home's status: for tax year 2026, a qualifying principal residence pays graduated homestead rates beginning at 0.76 percent, while a second home or an LLC-owned home pays a flat 1.90 percent on its full market value.

Are renovation loans harder to close than regular mortgages?

They take more steps and more time. The contractor's bid and scope must be final before closing, the appraiser values the house as if the work were complete, and the renovation funds sit in a lender-controlled escrow and are released in draws after inspections. A Standard 203(k) also requires a HUD-approved consultant, whose write-up costs up to $1,000 for repairs of $50,000 or less. Buyers who line up the contractor and the scope before the offer close on roughly the same timeline as a conventional purchase.

This article is general information, not legal, tax, or accounting advice. Nancy Clark and AmeriMont Broker Group are not a law firm or an accounting firm, and nothing here should be treated as advice from one. Laws, tax rules, and programs change, and they vary by state and by situation. Before acting on anything covered here, consult a licensed attorney and/or a certified public accountant in your state for current guidance on your specific circumstances.

Nancy Clark is the Broker and Owner of AmeriMont Broker Group, serving Manhattan, Amsterdam, Churchill, and communities across southwest Montana. With more than $135 million in closed sales and over a decade of experience in Montana real estate, Nancy brings the care of a neighbor and the skill of a seasoned professional to every transaction. Reach her at [email protected] or visit nancyclarkbroker.com.

Nancy Clark
Broker/Owner, AmeriMont Broker Group
Manhattan, Montana
[email protected]
nancyclarkbroker.com