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ZIP 59313
Housing & Real Estate

Baker city, MT

ZIP 59313 — 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 59313

Median Home Value

$225,500

Median Rent

$585

Affordability Snapshot

$62,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,449/mo PITI).

10%

Rent-to-Income Ratio

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

3.1x

Home Price-to-Income Ratio

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

32.1 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 59313 in Baker city, MT, a household would need roughly $62,000 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 $1,449. That sits below the local median household income ($72,452), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

69.8%+7% vs US avg

Vacancy Rate

21.7%+110% vs US avg

Broadband Access

86.0%-1% vs US avg

4+ Bedrooms

9.7%-34% vs US avg

Built Pre-1939

3.0%-76% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

1.4%-97% vs US avg

Mortgage-Free

59.5%+56% vs US avg

$225,500

Home Value

$585

Rent

1979

Year Built

2009

Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

1-unit detached69.2%
1-unit attached0.0%
2-9 units9.0%
10+ units5.2%
Mobile home & other16.7%

Historical Trends in 59313 (2020–Present)

Since 2020, population declined 11.5%, median income fell 16.1% (inflation-adjusted), home values increased 18.7%.

Home Value

$225,500

-35% vs US avg

Median Rent

$585

-50% vs US avg

ZIP 59313 — Housing & Real Estate

Housing & Real Estate in ZIP Code 59313

Historical Trends in 59313 (2020–Present)

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Housing & Real Estate key statistics