Buying a Mountain House

What To Know Before Buying a Mountain House

Gustan Cho Associates are mortgage brokers licensed in 48 states

This guide covers what to know before buying a mountain house. The ultimate guide to finding your dream home in America’s best mountain towns. Are you tired of the hectic city life and longing for a peaceful retreat surrounded by nature? Look no further than America’s best mountain towns! This is what Dale Elenteny of Gustan Cho Associates says about buying a mountain house:

Buying a mountain house is not just a great investment but is living in paradise every day. Many buying a mountain house normally buy it as a second home but eventually end up retiring to the mountain town.

From breathtaking views to endless outdoor adventures, these idyllic destinations offer serenity and excitement. But with so many options out there, finding your dream home can feel overwhelming. That’s why we’ve created the ultimate guide to help you navigate this exciting journey and find your slice of paradise in one of America’s best mountain towns. So sit back, relax, and get ready to discover your new favorite destination!

Introduction to Buying a Mountain House in the  Best Mountain Towns in the United States

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Mountain towns offer some of the most breathtaking scenery in the country and are perfect for those who love outdoor activities. However, with many mountain towns, deciding which is right for you can take time and effort. To help narrow your search, we’ve compiled a list of the best mountain towns in the United States.

When it comes to finding the perfect mountain town to call home, there are many things a buyer should consider. Do you want a small city with a close-knit community feel? Or are you looking for a bigger city with more amenities? You may be interested in a town with many outdoor activities or a thriving arts and culture scene.

Factors like natural beauty, access to outdoor recreation, and quality of life determine the best mountain towns in the United States. Whether you’re looking for a place to retire or want a weekend getaway, these mountain towns are sure to please. No matter what you’re looking for in a mountain town, you’re sure to find it on this list of the best mountain towns in the US. These towns have everything from quaint and charming to modern and bustling. So start your search for the perfect mountain town today!

Factors to Consider When Choosing a Mountain Town

Many factors must be considered when deciding on a mountain town to relocate to. Here are a few of the most important:


How close do you want to be to the mountains? Some people prefer to live right at the base of the mountains, while others prefer to have a bit more distance and live in a smaller town nearby. Consider what proximity you’re looking for when choosing your mountain town. Some mountain towns are closer to major cities, while others are remote. Consider how close you want to be to civilization and whether you will trade convenience for solitude.

Outdoor Recreation Buying a Mountain House

One of the best things about living in a mountain town is having easy access to outdoor recreation. If you love hiking, biking, skiing, or any other outdoor activity, make sure that the town you choose offers plenty of trails and other recreation options.


Mountain towns can experience all types of weather depending on location and elevation. If you’re looking for warmer weather, choose a lower-elevation town closer to the desert. For cooler weather, look for a higher-elevation town closer to the mountains.


Do you want to be in a small mountain town where everyone knows each other, or prefer a larger city with more amenities? Consider your ideal population size when choosing your new home.

Cost of Living Buying a Mountain House

Remember that mountain towns tend to have a higher cost of living than other areas due to the limited availability of resources. Make sure to research the cost of housing, food, and other necessities before deciding. But remember, the cost of living is relative – if you come from a big city, even the most expensive mountain town will probably seem like a bargain!

Job Opportunities

When relocating to a new mountain town, consider whether or not there are enough job opportunities in the area for you to find employment. If you plan on working remotely, this may be less of an issue, but it’s still important to consider.


Mountain towns can range from tiny hamlets to bustling resort communities. Consider how big or small you want your town to be and what kind of community you want.


Most mountain towns offer great hiking, skiing, and other outdoor activities, but some have more to offer than others. If there’s a particular activity you’re interested in, make sure the town you choose has ample opportunity for it.

Popular Mountain Towns Across the United States

Mountain towns offer some of the country’s best scenery and outdoor recreation. If you’re looking for a place to call home that offers serenity and adventure, one of these popular mountain towns across the US may be perfect.

Asheville, North Carolina

With its mild climate, ample opportunities for outdoor recreation, and thriving arts and culture scene, Asheville is a top choice for many mountain town seekers.

Bozeman, Montana

Bozeman is a haven for outdoor enthusiasts, with easy access to Yellowstone National Park and world-class skiing and hiking nearby. The town also has a lively downtown with great shops and restaurants.

Jackson Hole, Wyoming

Jackson Hole is renowned for its incredible skiing and outdoor activities, but it’s also home to a vibrant arts community. The quaint downtown has art galleries, boutique shops, and great restaurants. Jackson Hole is a mecca for outdoor enthusiasts, with plenty of skiing, hiking, climbing, and more opportunities. The town itself is also full of character, with a lively downtown area full of shops and restaurants.

Park City, Utah

A favorite among skiers and snowboarders, Park City also offers a bustling Main Street with quaint shops and restaurants. The town is also home to the Sundance Film Festival each year.

Telluride, Colorado

This picturesque mountain town is in a box canyon in the San Juan Mountains. Telluride offers unparalleled skiing, breathtaking views, and a charming downtown with great shops and eateries. Again, if you’re looking for a mountain town to call home, there are plenty of great options across the United States. Here are a few more of the most popular mountain towns that you might want to consider:

Aspen, Colorado

Aspen is one of the most well-known mountain towns in the United States and for good reason. It’s home to some of the best skiing in the country, as well as a vibrant nightlife and dining scene.

Breckenridge, Colorado

Another great Colorado ski town, Breckenridge, is known for its stunning scenery and friendly locals. It’s also great for outdoor activities like hiking, biking, and fishing.

Missoula, Montana

Missoula is a charming college town nestled in the mountains of western Montana. It’s known for its arts and culture scene, as well as its outdoor recreation opportunities.

Pocatello, Idaho

Pocatello is a small city located at the base of the Rocky Mountains in southeastern Idaho. It’s close to some great skiing and hiking destinations, making it a great option for those who love spending time outdoors.

Pros of Living in a Mountain Town

Mountain towns offer a unique and desirable lifestyle, but it’s only for some. Here are some pros to consider before making a move to a mountain town:

  • Stunning natural scenery
  • Small-town charm
  • The quiet and relaxed pace of life
  • Access to outdoor activities and recreation
  • The scenery is stunning, and you feel like you’re living on a postcard.
  • There’s a sense of community in mountain towns that you don’t find in many other places. Everyone looks out for each other, and there’s a real camaraderie.
  • You can often find very affordable housing in smaller mountain towns.
  • Plenty of outdoor activities keep you busy all year round, from skiing and snowboarding in the winter to hiking and biking in the summer.

Cons of Living in a Mountain Town

Again, mountain towns offer a unique and idyllic lifestyle many people dream of. However, some challenges come with living in a mountain town. Here are some more of the cons mentioned earlier in a little more detail about living in a mountain town:

  • Limited shopping and dining options
  • Isolation from major cities and cultural events
  • Harsh winters
  • There’s a sense of community in mountain towns that you don’t find in many other places. Everyone looks out for each other, and there’s a real camaraderie.
  • Bad weather can sometimes make getting around or leaving your house difficult.
  • There are often fewer job opportunities in mountain towns than in larger cities, so it can be tough to find work if you move here without already having a job lined up.
  • Smaller towns can sometimes feel isolated or too quiet for some people.

Real Estate Options

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A few different real estate options are available when looking for a home in America’s best mountain towns. You can buy a home, build a home, or even rent a home. You have a few different financing options to buy a home. You can get a conventional loan, an FHA loan, or a VA loan. You will also need to decide if you want to buy a pre-existing home or build your own custom home.  If you want to build your own home, you must find a lot to build on. This can be challenging in some of the more popular mountain towns. Once you find a lot, you must work with an architect and builder to design and construct your dream home.

You could always rent one if you’re not interested in buying or building a home. This is often a good option for people who are only planning on living in the town for a short period. There are many vacation rental homes available in mountain towns. You can also find long-term rentals if you want something more permanent.

Many different real estate options are available in America’s best mountain towns. You can seek out a local Realtor in the area of interest to help you find anything from a small cabin in the woods to a large estate on the side of a mountain. There are also many different price ranges, so you can find something that fits your budget.

Buying a Mountain House For Retirement

If you’re looking for a place to retire or want a weekend getaway, plenty of options are available. You can find peaceful and secluded properties or ones right in the middle of all the action. No matter what you’re looking for, you will find it in one of America’s best mountain towns. If you’re looking for a mountain town to call home, remember there are endless real estate options. Whether you’re looking for a cozy cabin in the woods or a luxurious ski chalet, you’ll be able to find it in one of America’s best mountain towns. Mountain towns are the perfect place to find your dream home. With so many options, you’re sure to find the perfect fit for you and your family. Here are a few of the most popular real estate options in mountain towns:

Buying a Mountain House: Cabins

Cabins are a popular choice for those looking for a cozy mountain home. They come in all shapes and sizes, so you can find one that’s just right for you. If you want something unique, you can even have a custom-built cabin.

Buying a Mountain House: Condos

Condos are a great option if you’re looking for low-maintenance living in a mountain town. Many condos offer amenities like swimming pools, fitness centers, and hot tubs, making them the perfect place to relax and enjoy the mountain views.

Buying a Single-Family Home in a Mountain Town

Homes come in all shapes and sizes in mountain towns. You can find everything from cozy cottages to sprawling mansions. You will find the perfect home in a mountain town regardless of your budget or style preference.

Amenities and Activities Available in Mountain Towns

Mountain towns offer various amenities and activities for residents and visitors alike. From world-class skiing and snowboarding to hiking and biking trails, there is something for everyone in a mountain town.

Many mountain towns also offer a variety of shops and restaurants, as well as cultural events and festivals throughout the year. There is always something to do in a mountain town, no matter the time of year!

Regarding amenities and activities, mountain towns have a lot to offer. From world-class skiing and snowboarding to hiking and camping, there’s something for everyone. And with so many mountain towns, you will surely find the perfect one. Here are just a few of the amenities and activities you’ll find in mountain towns:

Buying a Mountain House: Skiing and Snowboarding

Skiing and snowboarding are two of the most popular winter sports in the world, and there’s no better place to enjoy them than in the mountains. Whether a beginner or an experienced skier or rider, you’ll find plenty of trails to explore in mountain towns.

Buying a Mountain House: Hiking and Camping

If you love spending time outdoors, hiking and camping are great activities in mountain towns. There are endless trails to explore, and you can even camp in the middle of nature.

Buying a Mountain House: Fishing

Mountain towns are also home to some of the best fishing spots in the country. So if you’re an avid angler, pack your rods and tackle when you head to one of these towns.


Biking is another great way to explore mountain towns. Often bike trails wind through the mountains, giving you breathtaking views. These are just a few amenities and activities available in mountain towns.

The Cost of Living Buying a Mountain House

Mountain living can be costly buying a mountain house. Mountain living undertaking depending on where you choose to live. Living in a mountain town is higher than the national average, and housing costs are high. But, if you can afford it, the quality of life is worth the price tag. Since the cost of living in a mountain town is significantly higher than the national average, you will want to factor in the cost of recreation and travel. But the higher cost of living is worth it for those who love the outdoors and crave adventure. Here’s a closer look at what you can expect to pay for necessities in a mountain town:


Mountain towns are notoriously expensive when it comes to housing. You’ll be hard-pressed to find anything below $1,000/month, even for a studio or one-bedroom apartment. And if you want something with more space or amenities, be prepared to pay upwards of $2,500/month.


Expect to pay around 20% more for utilities in a mountain town than you would in a comparable city. This includes electricity, gas, water, trash, and the internet.


Food costs are also higher in mountain towns than elsewhere. A trip to the grocery store will likely set you back 10-15% more than average. Eating out is also pricier in mountain towns, so you can budget if you enjoy eating often.


If you don’t have your car, plan on paying high rates for taxis or ride-sharing services like Uber or Lyft. Public transportation is often limited in mountain towns, so your best bet is to have your wheels.

Loan Programs for Buying a Mountain House

If you want to purchase a home in one of America’s best mountain towns, a few loan programs can help make your dream a reality. The government offers several programs specifically designed to help buyers in rural areas, including the USDA Rural Development Loan and the VA Loan.

The USDA Rural Development Loan is available to buyers in areas designated as “rural” by the government. To qualify, you must have a household income that does not exceed 115% of the median income for the area. The loan can be used to purchase a primary residence or finance a new home’s construction.

The VA Loan is available to eligible active-duty military members, veterans, and their surviving spouses. This loan can be used to purchase a primary residence or to refinance an existing mortgage. The VA Loan program offers competitive interest rates and does not require a down payment. If you’re looking for a mountain home, these loan programs can help make your dream a reality. Contact a local lender today for more information on qualifying for these loans.

Overview Buying a Mountain House

With the right knowledge and guidance, finding your dream home in America’s best mountain towns can be an exciting and fulfilling experience. We hope that our guide has provided you with all of the necessary tools to ensure that you find the perfect property for you and your family. Dustin Dumestre, a senior loan officer at Gustan Cho Associates and a native of Utah, says the following about buying a mountain house.

From researching different towns to understanding their local real estate markets, we have outlined the important steps for a successful house hunt. The search for the perfect home in one of America’s top mountain towns is an exciting journey. With the right guidance and research, you can find the ideal spot to set up shop and begin your new life.

We hope you find your dream home in these amazing areas. We also hope the information will help make this process easier for you and give you the direction to decide where to move. So get out there and start searching – your dream home could be closer than you think!

Getting Financed Buying a Mountain House

If you should decide to buy, before you begin looking for a home and during the process, we have vast experience working with buyers to get them ready to purchase their dream home. We can take you through your home loan’s buying and financing process. We also can connect you to title companies/attorneys and real estate agents in your area that can help as needed. Call or text Ronda Butts at 407-460-7999 or email at for more information and further assistance. Ronda is an experienced referral agent, a dually licensed real estate agent, and a mortgage originator. She has successfully guided many homeowners through obtaining a home on both the lending and real estate side. She does not represent buyers or sellers but offers free consultation in 48 states at Gustan Cho by connecting homeowners, buyers, and sellers to the needed sources.

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