With a 190k income, you're well-positioned to purchase a home in Montana. Financial advisors recommend spending about 3 to 4 times your annual income on a home, suggesting a budget between $570,000 and $760,000, depending on factors like your down payment and existing debts.

In Billings, the median home price is approximately $380,000, which is below your minimum affordability range. This situation opens up a broad selection of homes, potentially allowing you to consider higher-end properties or homes in better neighborhoods.

Other areas such as Missoula and Great Falls offer competitive pricing at around $330,000. Montana's property tax rate averages 0.92%, adding roughly $3,496 annually on an average home. Coupled with a cost of living near the national average, your income provides ample opportunities for homeownership.