US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59105
  5. Housing & Real Estate
Billings city, MT

ZIP 59105 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59105

Median Home Value
$314,900
Median Rent
$1,074
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,023/mo PITI).

17%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

24.4 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 59105 in Billings city, MT, a household would need roughly $87,000 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 $2,023. That is about 17% above the local median household income ($74,572), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
14.0%-5% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$314,900
Home Value
$1,074
Rent
1990
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached66.8%
  • 1-unit attached6.6%
  • 2-9 units11.8%
  • 10+ units2.7%
  • Mobile home & other12.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$314,900
Median rent$1,074
Owner-occupied76.6%
Vacant4.5%
Price-to-income4.2x
Est. income to buy$87,000