Easiest ZIP codes to buy in Montana
Top 25 easiest ZIP codes to buy into in Montana by price-to-income ratio. #1 is 59527 (Hays) at about 1.1x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Montana — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 59527 (Hays) at about 1.1x; 59526 (Fort Belknap Agency) at about 1.4x; 59353 (Wibaux) at about 1.4x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Montana state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 59527 | Hays | Blaine County | 1.1x | 1,114 | $58,000 | $64,300 |
| 2 | 59526 | Fort Belknap Agency | Blaine County | 1.4x | 2,584 | $60,741 | $85,400 |
| 3 | 59353 | Wibaux | Wibaux County | 1.4x | 1,164 | $65,250 | $93,500 |
| 4 | 59521 | Rocky Boy's Agency | Hill County | 1.5x | 3,616 | $45,345 | $67,800 |
| 5 | 59022 | Crow Agency | Big Horn County | 1.7x | 2,250 | $50,208 | $86,300 |
| 6 | 59482 | Sunburst | Toole County | 1.8x | 1,002 | $86,250 | $158,800 |
| 7 | 59050 | Lodge Grass | Big Horn County | 1.9x | 1,575 | $80,417 | $149,200 |
| 8 | 59255 | Poplar | Roosevelt County | 1.9x | 2,994 | $41,089 | $79,900 |
| 9 | 59520 | Big Sandy | Chouteau County | 2.1x | 1,211 | $58,667 | $123,900 |
| 10 | 59317 | Broadus | Powder River County | 2.2x | 1,153 | $73,750 | $161,400 |
| 11 | 59323 | Colstrip | Rosebud County | 2.3x | 2,156 | $86,000 | $193,700 |
| 12 | 59215 | Circle | McCone County | 2.3x | 1,025 | $84,808 | $197,500 |
| 13 | 59254 | Plentywood | Sheridan County | 2.4x | 1,845 | $62,115 | $147,100 |
| 14 | 59522 | Riverview Colony | Liberty County | 2.4x | 1,227 | $54,583 | $132,500 |
| 15 | 59248 | Nashua | Valley County | 2.4x | 1,018 | $86,667 | $210,900 |
| 16 | 59003 | Ashland | Powder River County | 2.5x | 1,266 | $45,461 | $115,600 |
| 17 | 59538 | Malta | Phillips County | 2.7x | 2,842 | $65,833 | $174,500 |
| 18 | 59330 | West Glendive | Dawson County | 2.7x | 8,281 | $70,709 | $188,000 |
| 19 | 59523 | Chinook | Blaine County | 2.7x | 2,281 | $74,107 | $200,700 |
| 20 | 59427 | Santa Rita | Glacier County | 2.7x | 4,955 | $59,219 | $161,200 |
| 21 | 59486 | Valier | Pondera County | 2.7x | 1,196 | $53,056 | $145,200 |
| 22 | 59201 | Wolf Point | Roosevelt County | 2.8x | 5,345 | $47,361 | $131,800 |
| 23 | 59412 | Riceville | Cascade County | 2.8x | 1,450 | $83,409 | $236,100 |
| 24 | 59034 | Hardin | Big Horn County | 3.0x | 4,972 | $59,559 | $178,200 |
| 25 | 59088 | Worden | Yellowstone County | 3.0x | 1,142 | $75,000 | $226,000 |
Frequently asked questions
Which ZIP codes in Montana are easiest to buy into?
By median home price-to-income ratio, 59527 (Hays) ranks near the top at about 1.1x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Montana?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Montana?
Visit the Montana state page for the full ZIP table, demographics summary, and sortable income/housing columns.