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Ayers Ranch Colony CDP, MT

ZIP 59032 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59032

Median Home Value
$122,500
Median Rent
$477
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$787/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 59032 in Ayers Ranch Colony CDP, MT, a household would need roughly $34,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $787. That is about 27% above the local median household income ($26,750), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.4%+0% vs US avg
x
Vacancy Rate
18.9%+83% vs US avg
x
Broadband Access
78.4%-10% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
84.3%+121% vs US avg
x
$122,500
Home Value
$477
Rent
1981
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached60.5%
  • 1-unit attached0.0%
  • 2-9 units3.9%
  • 10+ units0.0%
  • Mobile home & other35.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,500
Median rent$477
Owner-occupied65.4%
Vacant18.9%
Price-to-income4.6x
Est. income to buy$34,000