Some values have declined, yes. However, sales have gone up almost 5% in the fist quarter of 08 for Bozeman. Prices are back on the rise, typically in new construction. New construction builders have been in control of the market latley and some have really had to cut profit margins to survive and really compete with the rest of the available inventory. Now that thier product is moving faster with lower and more affordable prices, interest rates are still super low and FHA has come up with some GREAT financing options, Builders are now slowly but steadily increasing thier prices and actually HELPING correct our Bozeman market to where things are starting to appreciate again. I love that you are just looking and starting to educate youself. Good luck! I would love to show you more about how this works anytime!