Irontown Modular · Authorized Dealer · Built in Spanish Fork, Utah, delivered across Montana

Prefab Homes in Montana

My Cozy Outdoors is your authorized Irontown Modular dealer and your one contact through move-in. Irontown, the seller of record, built the Montana home pictured here.

  • From $276,800 with delivery and crane set for 250 miles.
  • Two to four bedrooms, 1,165 to 2,198 sq ft, engineered for Montana.
  • Built to Montana’s residential code with stamped plans.
  • Irontown’s 10 year limited structural warranty.
  • You buy from Irontown. My Cozy Outdoors is your contact.
Irontown Modular prefab mountain home at Misty Mountain Court in Montana's Big Sky region, pictured in snow

Will a prefab home work on your lot? Three quick checks

Confirm these three things before you order, with My Cozy Outdoors (MCO) helping you think them through.

Does your zoning allow a house here?

Cities permit houses on land zoned for them; Billings, Big Timber, Havre and Lewistown also zone beyond city limits. County land has county zoning, citizen-petition districts or none; much is unzoned. Zoning, recorded covenants and homeowners association rules govern lot size, setbacks, height, coverage and design review. Confirm your zone and legal parcel status with planning before ordering.

Can the modules reach your lot?

Modules are about 15 ft wide; you need a truck route, staging area and crane pad. The carrier obtains the Montana Department of Transportation (MDT) over-dimension permits, with a pilot car if the permit requires it. Mountain passes, daylight limits off the interstate and winter closures matter. Commercial trucks cannot cross Yellowstone National Park. Irontown’s feasibility review checks your route and crane placement.

Do you have sewer, or will you need septic and a well?

Without sewer, call your county sanitarian early for septic permitting. Parcels carrying a certificate of subdivision approval also need Department of Environmental Quality (DEQ) review. Before using your well, file a notice of intent with the Department of Natural Resources and Conservation (DNRC).

Confirm your property requirements before ordering
This page is a starting point for planning a full-size home. MCO helps and advises but takes no responsibility for zoning, permits, impact fees, septic approval or code compliance. Before ordering, confirm your parcel, plan and use with city or county planning and building offices, and septic approval with the health department. MCO strongly recommends contacting those offices and can share the code sections it found and suggest questions.

Full-size prefab homes and cabin plans

Explore Montana plans with two to four bedrooms and 1,165 to 2,198 sq ft. Designer is the starting finish series; Modern, Balance and Rustic are quoted options. Eagle Landing 1220 is the Utah-only exception below.

Irontown Modular Walker prefab home

Walker

1,165 sq ft · 2 bed, 2 bath · one story · from $276,800

Two bedrooms, a generous kitchen and dining area, porch entry choices and a basement option.

See the Walker plan

Irontown Modular San Conejo prefab home

San Conejo

1,250 sq ft · 2 bed, 2 bath · one story · from $296,300

Spanish styling, two bedrooms, an island kitchen and an optional full-depth deck off the main suite.

See the San Conejo plan

Irontown Modular Aspen prefab home

Aspen

1,255 sq ft · 3 bed, 2 bath · one story · from $296,700

A three-bedroom prefab cabin with an open living area, porch entry choices and an optional basement stair.

See the Aspen plan

Irontown Modular Berkeley 1 prefab home

Berkeley 1

1,268 sq ft · 3 bed, 2 bath · two story · from $297,800

A traditional two-story home, 15 ft wide, with living downstairs and three bedrooms upstairs.

See the Berkeley 1 plan

Irontown Modular Berkeley 2 prefab home

Berkeley 2

1,268 sq ft · 3 bed, 2 bath · two story · from $297,800

The Berkeley layout with contemporary windows, bold roof lines and an optional garage level below.

See the Berkeley 2 plan

Irontown Modular Donner 1300 prefab home

Donner 1300

1,315 sq ft · 3 bed, 2 bath · one story · from $330,900

A modern exterior around a three-bedroom cabin layout, with separated bedrooms and a fireplace spot.

See the Donner 1300 plan

Irontown Modular Spirit prefab home

Spirit

1,320 sq ft · 2 bed, 2 bath · one story · from $306,300

Two bedrooms, a low roofline, a corner-turning covered porch and a large kitchen island.

See the Spirit plan

Irontown Modular Donner 1560 prefab home

Donner 1560

1,576 sq ft · 3 bed, 2 bath · one story · from $416,300

Three bedrooms, a large living room, full-height kitchen cabinets and an entry-side mud and laundry room.

See the Donner 1560 plan

Irontown Modular Bunkhouse prefab home

Bunkhouse

1,588 sq ft · 2 bed, 1 bath finished, plus an unfinished upstairs bunk room and bonus room · two story · from $379,300

A two-story cabin with two finished main-floor bedrooms, unfinished upstairs bunk and bonus rooms, and decks on both floors.

See the Bunkhouse plan

Irontown Modular Thatcher prefab home

Thatcher

1,860 sq ft · 3 bed plus an office, 2 full baths and a powder room · one story · from $423,200

A Craftsman home with three bedrooms plus an office or fourth bedroom, a big kitchen and covered porch.

See the Thatcher plan

Irontown Modular Mill Creek prefab home

Mill Creek

2,198 sq ft · 3 bed, 2 bath · one story · from $502,100

A spacious one-story home with three bedrooms, a study, full front porch and rear main suite.

See the Mill Creek plan

Mountain and cabin plans

Aspen, Donner 1300 and the two story Bunkhouse arrive as finished cabin modules built and set by Irontown, not a kit. Your quote can change the Designer finish to Modern, Balance or Rustic.

Both Berkeleys are 15 ft wide; Gallatin County’s Hyalite and Trail Creek districts require 20 ft. Great Falls requires pitched roofs with overhangs, so ask us before choosing a Berkeley or low-roofline plan.

PlanSizeRoomsStoriesFootprintFrom (Multi-State Designer Series)
Walker1,165 sq ft2 bed, 2 bathOne42 ft x 27 ft$276,800
Eagle Landing 12201,220 sq ft3 bed, 2 bathOne65 ft x 20 ft including the attached two car garageUtah only
San Conejo1,250 sq ft2 bed, 2 bathOne46 ft x 28 ft$296,300
Aspen1,255 sq ft3 bed, 2 bathOne24 ft x 52 ft$296,700
Berkeley 11,268 sq ft3 bed, 2 bathTwo48 ft x 15 ft, two story$297,800
Berkeley 21,268 sq ft3 bed, 2 bathTwo48 ft x 15 ft, two story$297,800
Donner 13001,315 sq ft3 bed, 2 bathOne56 ft x 24 ft 6 in$330,900
Spirit1,320 sq ft2 bed, 2 bathOne46 ft x 28 ft$306,300
Donner 15601,576 sq ft3 bed, 2 bathOne64 ft 6 in x 36 ft 6 in$416,300
Bunkhouse1,588 sq ft2 bed, 1 bath, plus unfinished upstairsTwo36 ft x 26 ft, two story$379,300
Thatcher1,860 sq ft3 bed plus office, 2.5 bathOne48 ft x 63 ft$423,200
Mill Creek2,198 sq ft3 bed, 2 bathOne55 ft x 53 ft$502,100

Modular homes in Montana: prices and delivery

Multi-State Designer Series starting prices run from $276,800 for Walker to $502,100 for Mill Creek. They include delivery and standard crane set for the first 250 miles from Spanish Fork. All Montana is beyond those miles; extra transportation costs $12.75 per mile per truckload. Approximate extras per load are $1,500 to West Yellowstone, $2,700 to Bozeman or $5,500 to Kalispell. A two-module home doubles the per-load amount.

Approximate road miles from the factory
Estimated delivery beyond the 250 included miles
Starting price, delivered and set, plus estimated extra miles

Estimate only. Multi-State Designer Series starting price with standard delivery and crane set. Beyond 250 miles the rate is $12.75 per mile per truckload; a full-size home ships as two to four modules on separate trucks and is stitched together on your foundation, and your written quote confirms the count. Foundation, site work, stitch, utilities, permits, fees, engineering, pilot cars and sales tax are not included.

Choose your nearest town, plan and estimated truckloads in the calculator. Full-size homes ship as two to four modules on separate trucks. The written quote confirms the load count, transportation and a pilot car if the permit requires it. Final pricing comes before construction.

What the starting price includes

  • Finished modules in the Designer finish series.
  • Built to Montana’s adopted residential code for houses, the International Residential Code.
  • Engineered, stamped plans for your building permit.
  • Delivery for the first 250 miles from Spanish Fork.
  • The standard crane and set on your foundation.
  • Irontown’s 10 year limited structural warranty.

Costs not in the home price

These are items your general contractor, city and county charge for, quoted by the contractor and city, not MCO.

  • Land.
  • Site preparation and grading.
  • Engineered foundation and any basement.
  • Utility trenches, connections, septic and wells.
  • Stitching and finishing between modules.
  • Steps, optional porches, decks, garages, driveways and landscaping.
  • Permits, plan review, septic permits and applicable DEQ review.
  • Impact fees and utility connection, system development or capacity charges.
  • Site and foundation engineering and applicable tax.
  • Transport touch-ups such as drywall cracks, caulk and door adjustments; major transit damage is covered by transport insurance.

Your separate budget covers land, foundation, site work, stitch, utilities, permits, impact fees, connection fees, engineering and applicable tax. Your general contractor prices the on-site work; the city, county and utility set their charges. MCO does not quote those items.

An impact fee is a one-time city or county charge on new homes for water, sewer, streets, storm water and public safety. Published totals span Missoula’s $1,067 to Belgrade’s $13,005. Billings, Red Lodge, Butte-Silver Bow, Helena and Great Falls charge none. Montana has no school impact fee. Water and sewer connection and system development fees are the utility’s own charges on top. Payment starts no earlier than building-permit issuance or, without one, water or sewer connection or well or septic permitting (MCA 7-6-1601 to 7-6-1603).

The Department of Revenue states: “Montana does not have a general-use sales tax.” Your written quote shows any applicable tax. Once set, your home is real property, valued with your land at market value and revalued every two years (MCA 15-6-134; 15-7-111). You must own and occupy it as your principal residence for at least seven months of the year. You may apply to the Department between December 1 and March 1 for the reduced homestead tax rate (15-6-405).

Not a manufactured home, and why that matters

Your home is not a manufactured home built to the federal Department of Housing and Urban Development code, a mobile home or a kit. Irontown builds it in factory sections to the same residential code Montana uses for site-built houses. A crane sets it on your permanent foundation. On this page, “prefab” and “modular” mean the same thing.

Montana law calls your home a factory-built building. The Department of Labor and Industry (DLI), the state agency for building codes, reviews manufacturer plans and has an approved third-party agency inspect factory work. Every Montana city or county must accept an approved unit while handling zoning, the foundation permit and utility connections. Irontown Homes (KEB Homes LLC) is on DLI’s approved factory-built building manufacturer list. Irontown’s feasibility review confirms how the state step applies to your project.

Once set, your home is a permanent building and real property. The Department of Revenue values it with your land. If you live in it, you may apply for the reduced homestead tax rate. Most buyers use a construction loan that converts to a mortgage. Your lender decides whether conventional, Federal Housing Administration or Veterans Affairs programs apply.

Built for Montana: snow, earthquakes and wildfire

Montana adopts one residential building code statewide. Your city or county prints its area’s snow, wind, earthquake and frost figures. Irontown designs your home to those figures during pre-construction, with nothing for you to calculate. Montana is mountain and earthquake country, and your stamped plans reflect that.

How much snow your roof must carry

A snow load is the weight of snow your roof must carry, in pounds per square foot (psf). Montana’s minimum design roof snow load is 30 psf. Inside a city or county with a certified building program, the building official sets the ground snow load; elsewhere it comes from the national hazard tool. Published figures: Helena 30, Butte-Silver Bow 38 roof, Missoula 40, Bozeman 46 ground and 41 roof, Kalispell 50, Red Lodge 106 ground and 70 roof. Irontown’s engineers design your roof and structure to your figure.

Earthquakes and wind

Southwest Montana is earthquake country. The 1959 Hebgen Lake earthquake near West Yellowstone was magnitude 7.3. Bozeman, Butte, Helena and Missoula print the state’s higher earthquake design level. Most offices print a design wind speed of 115 miles per hour. Irontown’s engineered plans are stamped for your site’s loads during pre-construction, the same requirement a site-built home meets.

Wildfire rules depend on where your lot is

Montana’s residential code requires no sprinklers in one-family homes; fire districts or subdivisions may add requirements. Cities and counties choose whether to enforce the state’s adopted wildland-urban interface code. Defensible space is a cleared, maintained zone around your house. Whitefish requires it city-wide with Class A or B roofing. Helena’s city-wide overlay requires fire-resistant roofing and screened vents. Gallatin County’s Big Sky zoning requires five feet of fire-resistant ground cover around every structure. Irontown designs your modules during pre-construction to the same wildfire rules a site-built home meets.

Irontown homes in Montana and the mountains

Irontown has delivered and built homes in Montana and shows two here. Misty Mountain Court, in the Big Sky region, is the two story mountain home pictured at the top of this page. The other is the Montana Weehouse. The third card shows Deer Valley, Utah. Photos below look inside Misty Mountain Court. See all Residential Projects

Misty Mountain Court, a Modern Mountain Getaway

Misty Mountain Court, a Modern Mountain Getaway

Big Sky region

Two-story mountain living in the Big Sky region, pictured in snow.

See the Misty Mountain Court, a Modern Mountain Getaway photos

Montana Weehouse, 2005

Montana Weehouse, 2005

Montana · 2005

A Montana Weehouse in grassland, with weathering steel and a wood-paneled interior.

See the Montana Weehouse, 2005 photos

Deer Valley Mountain Home, 2017

Deer Valley Mountain Home, 2017

Deer Valley, Utah · 2017

A Deer Valley mountain home with a pool table, office and media room.

See the Deer Valley Mountain Home, 2017 photos

Inside the Misty Mountain Court home

Living room of the Misty Mountain Court Irontown modular home in Montana, with large windows onto the snowy mountainsKitchen of the Misty Mountain Court modular home in Montana: white cabinets, black countertops and a breakfast barOpen living, dining and kitchen area of the Misty Mountain Court modular home in Montana, with the staircasePrimary bedroom of the Misty Mountain Court modular home in Montana, with windows onto the snowy mountains

See all the Misty Mountain Court photos and floor plans

From feasibility to delivery

Irontown’s phases total about five to seven months: 1 to 2 weeks, 2 to 3 months, then 12 to 16 weeks. Permit review runs alongside pre-construction and varies by city or county. Your contractor’s site work adds time. Winter road rules shape delivery.

  1. Feasibility reviewIrontown · 1 to 2 weeksYour $2,000 review is credited to the contract. It covers virtual site and route review, budget, schedule, building requirements, financing assistance and contractor support.
  2. Pre-construction and permitsIrontown and your city or county · 2 to 3 months plus permit reviewIrontown visits your site and supplies stamped plans for local snow, wind, earthquake and wildfire rules. You choose finishes with its interior designer. Your contractor applies for local permits, or state electrical and plumbing permits where your county has no building program.
  3. Site and foundationYour contractorYour contractor handles grading, the engineered foundation, utility trenches and connections. This work is timed to delivery.
  4. Factory build, delivery and setIrontown · 12 to 16 weeksIrontown builds and crane-sets your modules, shipped under the Montana Department of Transportation (MDT) permits. Winter road rules shape the delivery window.
  5. Stitch and finishYour contractorYour contractor connects and weatherproofs the modules, finishes the seams inside and out, and connects and tests the systems.
  6. Inspections and keysYour city or county and your contractorFinal inspections happen where a local program exists. Your contractor completes the punch list and walkthrough, hands over documentation and keys, then warranty support follows.

Who does what

Irontown ModularYour seller of record builds in Spanish Fork, runs feasibility and pre-construction, supplies stamped plans, ships and sets your modules, and backs the warranty.
My Cozy OutdoorsYour authorized dealer is your one contact through move-in for plans, your quote, delivery pricing, lender and contractor introductions, and a factory visit.
Your general contractorYour state-licensed contractor handles site work, foundation, utilities, permit applications, stitch and finish, and inspections. Your contractor prices this work separately.
Your city or countyUnder its certified building program, it reviews your foundation plan, permits it and inspects foundations, utilities, set and stitch. It handles zoning, setbacks, snow and wind figures, and design review. Without local programs, the Department of Labor and Industry issues electrical and plumbing permits.

Your Montana general contractor

A general contractor is required for site work. Montana licenses construction contractors through the Department of Labor and Industry, and electricians and plumbers at state level (MCA 37-45-201). Feasibility includes contractor support; contact MCO to see whether we can recommend one in your area. You may work on your own home without a contractor licence unless you are building to sell right away. The exemption applies again after you have lived there as your main home for at least the last twelve months (37-45-104).

Building homes for your clients? Email support@mycozyoutdoors.com to join the MCO contractor network.

Financing your modular home

Most buyers use a construction loan that converts to a mortgage after your home is set and finished. Your lender releases funds in draws as work progresses. Your lender decides whether Federal Housing Administration (FHA), Veterans Affairs (VA) or conventional programs apply.

Irontown’s referral lenders understand modular construction and its draw schedule. They are external references, not financing offered by Irontown. My Cozy Outdoors (MCO) does not lend or promise approval. Ask MCO for an introduction with your quote.

City and county starting points

Before ordering, you must confirm requirements with the city or county planning and building office, and septic with the county sanitarian.

A city row applies inside city limits. County rows cover that county’s unincorporated areas; Butte-Silver Bow operates a consolidated program. Published fees and review times are planning references, and schedules change.

Zoning, delivery route and site detailsThe longer notes behind the three checks above

Inside city limits, a single-family home is a permitted use on land zoned for it. The zone, recorded covenants and HOA rules govern minimum lot size, setbacks, height, coverage and design review. Some cities also zone a ring beyond their boundaries, including Billings, Big Timber, Havre and Lewistown.

County rural residential and agricultural districts allow houses on legal parcels under their acreage and dwelling-per-parcel rules. Much county land is unzoned. Parcel status under the subdivision law is confirmed with county planning before ordering. Rural sites need septic approval through the county sanitarian and DEQ review where a certificate applies. Exempt-well requirements, local wildfire rules, snow loads by elevation and southwest Montana seismic design are addressed during pre-construction and incorporated into plans where applicable.

Feasibility includes the truck route, mountain passes, last-mile access and crane pad. The carrier obtains Montana Department of Transportation over-dimension permits, with a pilot car if the permit requires it. Off-interstate daylight and holiday restrictions apply. No travel is allowed on a route under severe driving conditions, so winter timing is planned in the feasibility review. Commercial trucks cannot travel through Yellowstone National Park; routes to Gardiner and Paradise Valley go through Livingston.

Bozeman, Belgrade and the Gallatin ValleyBozeman, Belgrade, Gallatin County
City or countyPermit office, fees and review time we found
BozemanCommunity Development permits factory-built single-unit dwellings; ground snow load is 46 psf and roof snow load is 41 psf. Water, sewer, fire and street impact fees apply, but the current per-home total is not published online, so ask the department. Phone 406-582-2260. Source: Bozeman Unified Development Code, Chapter 38 Article 8 (definitions: single-unit dwelling includes a factory built home)
BelgradeThe Building Department permits code-compliant modular homes like conventional homes. Your impact fees total $13,005 per home, and water and sewer taps cost $179 each. Phone 406-388-3760.
Gallatin CountyThe county issues no house building permits; district land use permits cost $430 to $5,400, plus septic permits. Hyalite and Trail Creek require 20 ft dwelling widths, so ask about the 15 ft wide Berkeley plans. Phone 406-582-3130.
Livingston, Paradise Valley and Park CountyLivingston, Park County
City or countyPermit office, fees and review time we found
LivingstonThe Building Department permits modular homes wherever single-family dwellings are allowed. Impact fees total $4,309 plus $3,542 water and $4,506 sewer fees, with $200 taps each; ask about two-story plans under the 30 ft height cap or 36 ft pitched-roof allowance. Phone 406-222-0083.
Park CountyThe county issues no house building permits; zoning costs $100 to $300, applicable floodplain permits $600, and septic permits $300. Agricultural parcels generally need 35 acres for dwelling rights; ask planning how a factory-built home is filed. Phone 406-222-4102.
Southwest Montana: Butte, Dillon, Ennis and Deer LodgeButte-Silver Bow, Madison County, Beaverhead County, Jefferson County, Powell County, Granite County
City or countyPermit office, fees and review time we found
Butte-Silver BowThe Building Codes Department permits homes county-wide, including modular dwellings in residential zones. Your roof snow load is 38 psf; no impact fees apply, and water connections cost $60 to $75 plus the meter. Phone 406-497-6213.
Madison CountyThe county issues $300 standard septic permits, not house building permits; you need state electrical and plumbing permits. Legal parcels have dwelling rights without county acreage minimums, and subdivision rules distinguish modular buildings from manufactured homes. Phone 406-898-4331. Source: Madison County Subdivision Regulations, Ordinance 1-2025 (definitions: manufactured home, modular and factory-built buildings)
Beaverhead CountyThe county issues septic permits, not house building permits; conventional systems cost $150, multi-user systems up to $250, plus $100 site evaluation. Legal parcels have dwelling rights without county acreage minimums, and subdivision rules distinguish modular buildings from manufactured homes. Phone 406-683-3768.
Jefferson CountyThe county issues $75 site development permits in zoning districts and septic permits, not house building permits. North Jefferson permits modular dwellings but has conflicting definitions; new lots need 10 or 22 acres, so ask the planning office how a factory-built home is filed. Phone 406-225-4040.
Powell CountyThe Planning Department issues a $20 development certificate, not a house building permit. Modular homes follow site-built rules; homes are permitted in every district, acreage minimums apply to new lots, and you need a written wildfire prevention plan. Phone 406-846-9795.
Granite CountyThe county issues septic permits, not house building permits; Georgetown Lake also requires a $100 zoning permit. Elsewhere, land is unzoned without acreage minimums; for Georgetown Lake, ask the planning office how a factory-built home is filed. Phone 406-859-7021. Source: Granite County Planning Department: building, septic and zoning permits
Helena and the Broadwater ValleyHelena, Lewis and Clark County, Broadwater County
City or countyPermit office, fees and review time we found
HelenaBuilding and Safety permits factory-built single dwellings with a minimum ground snow load of 30 psf. You pay no separate impact fee, but water and wastewater system development fees and a $280 water tap apply. Phone 406-447-8490. Source: Helena City Code Section 11-2-4 (zoning definitions: single-dwelling unit residence)
Lewis and Clark CountyCommunity Development and Planning issues $40 zoning determinations, not house building permits; you also need septic approval. Helena Valley’s Rural Residential district allows one dwelling per parcel of at least 10 acres and distinguishes permanent-foundation modular homes from manufactured homes. Phone 406-447-8374. Source: Lewis and Clark County: Helena Valley Zoning Regulations, amended July 2026 (Rural Residential district, Sections 702, 706, 710)
Broadwater CountyCommunity Development and Planning assigns your address, and the sanitarian issues your septic permit; there is no county house building permit. State electrical and plumbing permits apply, with no county zoning, acreage minimum, height cap or factory-built rule. Phone 406-266-9211. Source: Broadwater County Environmental Health: sanitarian and septic permits
Missoula and the BitterrootMissoula, Missoula County, Hamilton, Ravalli County, Mineral County, Sanders County
City or countyPermit office, fees and review time we found
MissoulaThe Building Division permits modular homes, with a ground snow load of 40 psf. Your impact fees range from $1,067 to $1,545 by home size, plus $2,332 water and $2,839 sewer development fees at a 3/4 inch meter. Phone 406-552-6630.
Missoula CountyThe county Building Division permits homes, and rural districts allow one home per lot at the district’s density. Your impact fees range from about $581 to $3,880; Lolo water and sewer connections add $7,888 and $9,629 where applicable. Phone 406-258-4642. Source: Missoula County: impact fee schedule effective October 1, 2025, amended March 3, 2026 (Resolution 2026-050)
HamiltonThe Building Department issues your permit, and subdivision rules distinguish modular buildings from manufactured homes. Impact fees range from about $3,199 to $4,589 per home by size, plus water and sewer hookup charges set by the council. Phone 406-363-3316.
Ravalli CountyThe county issues septic permits, not house building permits; you need state electrical and plumbing permits. Outside petition zoning districts, legal parcels have dwelling rights without acreage minimums, and subdivision rules distinguish permanent-foundation modular buildings from mobile homes. Phone 406-375-6530. Source: Ravalli County Environmental Health: septic permits and fee sheet (2025)
Mineral CountyThe county issues septic permits and a $35 zoning compliance confirmation, not house building permits. Outside Alberton, your land is unzoned without acreage minimums or height caps, and subdivision rules distinguish permanent-foundation modular buildings from mobile homes. Phone 406-822-3525. Source: Mineral County Environmental Health and Planning: wastewater treatment system fee schedule (2025)
Sanders CountyThe county issues septic and applicable floodplain permits, not house building permits; you need state electrical and plumbing permits. Unincorporated land has no zoning, acreage minimum, height cap or factory-built rule, though airport overlays and sanitation review still apply. Phone 406-827-6965. Source: Sanders County Land Services: planning and environmental health
Flathead Valley: Kalispell, Whitefish and PolsonKalispell, Whitefish, Flathead County, Lake County, Lincoln County
City or countyPermit office, fees and review time we found
KalispellThe Building Department permits permanent-foundation factory-built homes with a ground snow load of 50 psf. Your impact fees total $6,210 per home, plus water and sewer hookup charges from Public Works. Phone 406-758-7730.
WhitefishPlanning and Building permits factory-built single-family homes on permanent foundations. Your water and wastewater impact fees total $4,419 at a 3/4 inch meter, plus police and fire fees; ask the department about snow load and city-wide wildfire requirements. Phone 406-863-2410.
Flathead CountyPlanning and Zoning reviews site plans where required, and Environmental Health issues septic permits; there is no county house building permit. Factory-built housing is unrestricted in use tables, houses follow district acreage minimums, and no county impact fee applies. Phone 406-751-8200. Source: Flathead County Zoning Regulations, May 2026 (Section 8.07.005, definitions: factory-built housing)
Lake CountyThe county issues zoning conformance and $400 septic permits, not house building permits. Polson-area Rural Residential homes need 1 acre with lake frontage or 2 elsewhere; Productive Lands allows one added home per 160 acres, and Low Density Residential allows system-built housing. Phone 406-883-7235. Source: Lake County: Polson Development Code (Rural Residential and Low Density Residential zoning districts)
Lincoln CountyThe Health Department issues septic permits, not house building permits; you need state electrical and plumbing permits. Generally unzoned legal parcels have dwelling rights without acreage minimums, and the wildfire interface designation alone adds no building standard for one house. Phone 406-283-2463. Source: Lincoln County Health Department: septic permitting (permit application updated April 10, 2026)
Billings, Red Lodge and south-central MontanaBillings, Yellowstone County, Stillwater County, Carbon County, Red Lodge, Sweet Grass County
City or countyPermit office, fees and review time we found
BillingsThe Building Division permits modular homes and requires written placement approval before set. You pay no impact fee; water system development costs $1,616 plus $730 to $5,681 by lot size, with wastewater charged separately. Phone 406-657-8270. Source: City of Billings Resolution 25-11273: water and wastewater rate and fee schedule (effective July 1, 2025 and July 1, 2026)
Yellowstone CountyCity-County Planning issues $77 zoning permits inside the 4.5 mile zoning ring around Billings, where a house is a permitted use. Modular homes follow site-built rules; district acreage minimums apply, land beyond is unzoned, and no county house building permit applies. Phone 406-657-8247.
Stillwater CountyThe Planning Department issues a free coordinated development permit under Section IV; you also need a septic permit, but no house building permit. Modular homes follow site-built rules, without county lot-size, setback or height rules or impact fees. Phone 406-322-8050.
Carbon CountyThe county issues a $50 development permit, not a house building permit; septic authorization costs $200 plus $160 per lot and $120 for a gravity drainfield. Affixed modular homes count as dwellings, with no acreage minimum or impact fee. Phone 406-690-1933.
Red LodgeThe Building Department permits modular homes like site-built homes without impact fees. Ground snow load is 106 psf and roof snow load is 70 psf; ask about two-story plans under the 30 ft height cap. Phone 406-446-1606.
Sweet Grass CountyThe county issues septic permits costing $300 with an installer or $350 owner installed, not house building permits. Outside Big Timber’s 4.5 mile zoning ring, legal parcels have dwelling rights without county acreage minimums; subdivision rules distinguish modular from manufactured homes. Phone 406-932-5470. Source: Sweet Grass County Planning Office: zoning
Great Falls and central Montana: Lewistown and HavreGreat Falls, Cascade County, Fergus County, Hill County
City or countyPermit office, fees and review time we found
Great FallsThe city permits homes without impact fees; utility connections cost about $2,200. Every factory-built home needs a roof pitched at least 2 in 12, a 10 inch overhang and continuous foundation (17.20.6.060), so ask about low-roofline plans. Phone 406-455-8430. Source: City of Great Falls: tapping and connection fees (rates effective July 1, 2025)
Cascade CountyThe county issues $75 location permits and septic permits, not house building permits. Rural residential homes need 5 acres on new lots and agricultural homes 40, with existing-lot exceptions; ask the planning office how a factory-built home is filed. Phone 406-454-6905.
Fergus CountyThe county issues $50 development permits and septic permits, not house building permits; septic decisions take up to 30 working days. Your legal parcel carries a dwelling right without county zoning, acreage minimums or height caps. Phone 406-535-9046.
Hill CountyThe county planner issues $75 zoning permits in the Havre planning area; the county issues septic permits but no house building permits. You need state electrical and plumbing permits; ask the planning office how a factory-built home is filed. Phone 406-740-7250.

How Montana regulates a factory-built home

These state rules shape your project; the section references are for your building department.

  • Montana law calls your home a factory-built building. The state’s Department of Labor and Industry reviews plans and has approved inspectors watch factory work. Any Montana city or county must accept an approved unit while handling zoning, the foundation permit and utility hookups. Irontown confirms your project’s state step during feasibility.MCA 50-60-101; 50-60-402
  • Some cities and counties run certified building departments; many counties do not, so nobody issues a house building permit there. The state issues electrical and plumbing permits there, unless you do your own plumbing. Your builder signs an energy-code compliance statement. Your city or county row explains which applies.MCA 50-60-302; 50-60-605; 50-60-505; 50-60-802
  • Where a building program exists, your city or county reviews foundation plans and inspects foundations, utility connections, set and stitch before occupancy approval. It cannot reinspect or charge fees for an approved factory-built portion.ARM 24.301.204; MCA 50-60-301
  • City zoning applies inside its area. County land has county zoning, citizen-petition districts or no zoning. Confirm minimum acreage and dwelling rights before ordering. Your city or county cannot treat factory-built housing differently through zoning; design standards and recorded covenants still apply.MCA 76-2-201; 76-2-101; 76-2-202; 76-2-302
  • Montana sets no residential permit review clock. Published times are Red Lodge, 5 working days; Belgrade, 90 days; Missoula, 8 to 12 weeks. Granite publishes 20 business days; Powell publishes 30 working days. Your city or county’s review adds to Irontown’s phases.Published city and county review times, September 2026
  • Where adopted, impact fees fund public facilities, spanning Missoula’s $1,067 to Belgrade’s $13,005. Payment starts no earlier than your building permit or, without one, utility connection or well or septic permitting. Water and sewer connection and system development fees are separate utility charges.MCA 7-6-1601; 7-6-1602; 7-6-1603
  • The state residential code requires no fire sprinklers in a one-family home; fire-district, subdivision and wildfire rules are local. Your written quote shows any tax that applies. Once set, your home is real property. If you live in it as your principal residence for at least seven months of the year, you may apply to the Department of Revenue between December 1 and March 1 for the reduced homestead tax rate.ARM 24.301.154; 24.301.181; MCA 15-6-134; 15-6-405
  • Your county sanitarian permits septic separately from zoning, with Department of Environmental Quality review where required. Address your well requirements first with the Department of Natural Resources and Conservation. Qualifying exempt wells still need a notice of intent before use.MCA 50-2-116; 76-4-121; 85-2-306
  • Montana licenses construction contractors through the Department of Labor and Industry, and electricians and plumbers at state level. You need no licence for work on your home unless building for immediate sale. That exemption returns after you live there as your main home for at least the last twelve months. Subcontractors or suppliers without direct agreements with you must give written notice of their lien rights within 20 days of first supplying work or materials.MCA 37-45-201; 37-45-104; 71-3-531

Visit the Spanish Fork factory

Walk through finished modules on the line and see finish series in person. Spanish Fork is about an hour south of Salt Lake City International Airport, with direct flights from Bozeman, Missoula, Billings and Kalispell. By road, the factory is about six and a half hours from West Yellowstone and about eight hours from Bozeman.

Looking for something smaller? See our modular ADU homes (400 to 1,200 sq ft backyard homes and casitas) and park model homes (cabins for resorts and RV lots).

Common Questions

Irontown’s Multi-State Designer Series starting prices run from $276,800 for Walker to $502,100 for Mill Creek. Delivery and crane set include 250 miles; all Montana is beyond them. Extra transportation per truckload is about $2,700 to Bozeman or $5,500 to Kalispell. Land, site work, foundation, stitch, utilities, permits, fees, engineering and tax are separate.

No. This modular home follows the International Residential Code and is set on a permanent foundation. Montana calls it a factory-built building. A manufactured home follows the federal HUD code. Here, prefab home and modular home describe the same product.

DLI reviews plans and approved third-party agencies inspect factory work under the state program. Local building departments inspect foundations, utilities, set and stitch where a program exists. Some counties issue no house building permit; DLI handles electrical and plumbing inspection there. Irontown confirms the state step for your project during feasibility.

Irontown gives 1 to 2 weeks for feasibility, 2 to 3 months for pre-construction, and 12 to 16 weeks for construction and delivery. Local permit review is additional. Site, permit and building delays can affect timing.

Published city impact totals range from Missoula’s $1,067 to Belgrade’s $13,005; several cities charge none. Water and sewer connection and system development charges are separate. For example, Lolo lists $7,888 for water and $9,629 for sewer connections where applicable. Fees depend on location, service and home size.

Possibly. Rural districts set acreage and dwelling-per-parcel rules, while much county land is unzoned. Legal parcel status, sanitation and access still matter. Irontown engineers plans for snow loads by elevation, wind, seismic conditions and applicable local wildfire rules during pre-construction.

Most buyers use construction financing with progress draws that converts to a mortgage after completion. Irontown’s referral lenders understand modular construction; ask MCO for an introduction with your quote. Ask your lender about FHA, VA or conventional eligibility. Approval is the lender’s decision.

A general contractor is required for the foundation, utilities, delivery coordination, stitch and finishing. Montana has an owner-work licensing exemption with resale conditions. Irontown’s feasibility review includes contractor support; contact MCO to see whether a contractor can be recommended in your area.

The nearest plans are Thatcher, offering 1,860 sq ft from $423,200, and Mill Creek, offering 2,198 sq ft from $502,100. Prices include delivery and crane set for 250 miles from Spanish Fork. Every Montana town is farther, adding $12.75 per mile per truckload. These homes need several truckloads. This page’s calculator shows your town’s transportation costs. Your contractor and city or county separately price land, foundation, site work, permits and fees.

Starting prices are statewide. Bozeman is about 459 road miles from the factory: about $2,700 extra per truckload, $5,300 for two modules. Billings is about 603 miles: about $4,500 per truckload. Billings requires written placement approval before set and charges no impact fee. Its water system development fee is $1,616 plus $730 to $5,681 by lot size; wastewater is separate. Bozeman charges water, sewer, fire and street impact fees; ask Community Development for its unpublished per-home total.

Not a full-size Irontown plan: Walker starts at $276,800, including delivery and set for 250 miles from Spanish Fork. My Cozy Outdoors (MCO) offers modular ADU homes starting lower. Mysa 500 has one bedroom and 497 sq ft, from $142,600 on the same delivery terms. Your city or county decides whether zoning allows a smaller home on your lot.

No. Nothing arrives as a pile of parts. Irontown finishes the modules in its factory, and its crew delivers and sets them by crane. The cabin plans are Aspen, 1,255 sq ft, from $296,700, Donner 1300, 1,315 sq ft, from $330,900, and the two story Bunkhouse, 1,588 sq ft, from $379,300. Delivery is included for 250 miles. Beyond that, each truckload adds about $1,500 to West Yellowstone, $2,200 to Big Sky and $2,700 to Bozeman.

A snow load is the weight your roof must carry, in pounds per square foot (psf). Montana’s minimum design roof load is 30 psf. Local psf figures include Helena 30, Missoula 40, Bozeman 46, Kalispell 50 and Red Lodge 106 ground. During pre-construction, Irontown engineers your home to your city or county’s figure. Southwest Montana has earthquakes; stamped plans address your site’s earthquake design. Your home meets the residential code for site-built houses.

On a permanent foundation, your home is a permanent building and real property, not a vehicle or titled manufactured home. The Department of Revenue values it with your land. If you live there, you may apply for the reduced homestead tax rate. Buyers use construction loans that convert to mortgages. Ask your lender about conventional, Federal Housing Administration or Veterans Affairs programs.

Some lots have no workable truck route or crane pad, and winter road rules can set the delivery window. Irontown’s feasibility review checks both before you commit, and its $2,000 fee is credited to the contract. The two Berkeley plans are 15 ft wide and a few districts set width rules, so ask first; the other ten plans are wider. Your contractor and city or county price the foundation, site work and fees, so MCO helps you gather those numbers. The project runs in phases over about five to seven months; this page’s timeline shows who does what.

Sometimes. Your carrier obtains the Montana Department of Transportation (MDT) over-dimension permits, with a pilot car if the permit requires it. State-designated severe driving conditions stop travel. Off-interstate travel is daylight only, excluding holidays. Commercial trucks cannot cross Yellowstone National Park; Gardiner and Paradise Valley routes use Livingston. Irontown plans your delivery window during feasibility so modules arrive when your foundation is ready.

Without a county building department, nobody issues a house building permit. You still need electrical and plumbing permits from the Department of Labor and Industry, the state agency for building codes; owner plumbing is exempt. Your county sanitarian permits septic. Your county’s row lists zoning, land use or floodplain permits. The state reviews factory work; your builder signs energy-code compliance. Where your city or county has a certified building program, it permits and inspects the foundation, utility connections, set and stitch.

Irontown has built in Montana; this page shows its Misty Mountain Court home near Big Sky and Montana Weehouse, with interior photos. Contact MCO to visit finished modules and finishes at the Spanish Fork factory. It is about an hour south of Salt Lake City International Airport, with direct flights from Bozeman, Missoula, Billings and Kalispell. Bozeman is about eight hours away by road.

Starting prices include finished Designer modules, engineered stamped plans, delivery for 250 miles from Spanish Fork, standard crane and set, and the warranty. Budget separately for land, foundation, site work, stitch, utilities, septic and well, permits and fees, engineering, and tax shown on your quote. Your contractor and your city or county price those items. MCO does not quote them.

Walker and Aspen offer basement options; Berkeley 2 offers a garage level; Bunkhouse offers an upstairs bath. Your quote prices Designer, Modern, Balance or Rustic finishes, with Irontown’s interior designer helping you choose during pre-construction. Phase 2 includes limited design customization. Your contractor builds garages, porches and decks outside the plan on site.

Irontown builds, ships and sets your modules. Your contractor builds the foundation to the structural engineer’s plans and handles the stitch and finish. The feasibility review includes contractor support. Irontown has connections to some general contractors, so contact MCO to see whether we can recommend one in your area.

Rules were read in September 2026. This summary is not legal advice or approval. Rules change, and local offices decide how they apply. You are responsible for confirming zoning, permits, impact fees, septic approval and code compliance for your parcel, plan and use before ordering. MCO helps and advises but takes no responsibility for those matters.

Request your Montana home quote

Tell us your lot location, county and preferred plan. MCO will help you explore the home, finish choices, transportation estimate and next steps with Irontown.

Prefer to talk? Call or text +1 (307) 200-8752, Monday to Saturday, 9am to 5pm PST, or email support@mycozyoutdoors.com.





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