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852 El Rancho Dr, Billings, MT, 59105

3beds
2baths
1,792sqft
$459,900
$257price/sqft
$2,968/moest. monthly cost
$118,720/yrincome needed

About This Home

This brand-new home by HAD Inc. delivers smart design and the kind of functionality that makes everyday life easier. Soaring vaulted ceilings and natural light create an airy feel the moment you walk in, while the open layout keeps everything connected without feeling crowded. The kitchen features quartz countertops, modern cabinetry and a pantry, designed for both busy mornings and laid-back evenings. The primary suite offers privacy with a spacious walk-in closet and well-appointed ensuite bath. 2 additional bedrooms, full bathroom, and dedicated office provide flexibility for guests, work, or creative space. Outside of the home itself, the storage is a standout feature: a 3-car garage means there’s room for vehicles, gear, and everything that comes with Montana living. New construction, thoughtful details, and a location that checks the boxes. Photos of similar home

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
3/10
4/10
Skyview High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Range,Refrigerator

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Finished area above ground: 1,792

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: A27014
  • Zoning description: Suburban Neighborhood Residential

Features

  • Stories: 1
  • Fencing: None

Lot

  • Lot size: 9,618 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Wildfire
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in Yellowstone County and Montana

Flood
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,325$27,900
Home Insurance $288$3,456
Property Taxes $204$2,448
Electricity $151$1,812
Total$2,968$35,616

Income You'd Need if You Spent...

35% on housing$101,760/yr
40% on housing$89,040/yr
45% on housing$79,146/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 59105$162
Yellowstone County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 59105$173
Yellowstone County$194

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-09Listed for sale$459,900

New Construction

AgentCozette Wanner
BrokerageOakland & Company

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