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Ulm CDP, MT

ZIP 59485 — 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 59485

Median Home Value
$289,000
Median Rent
$2,200
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,856/mo PITI).

30%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

10.9 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 59485 in Ulm CDP, MT, a household would need roughly $80,000 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 $1,856. That is roughly in line with the local median household income ($88,292). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.6%+40% vs US avg
x
Vacancy Rate
15.8%+54% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
52.1%+36% vs US avg
x
$289,000
Home Value
$2,200
Rent
1989
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached72.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other27.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$289,000
Median rent$2,200
Owner-occupied91.6%
Vacant15.8%
Price-to-income3.3x
Est. income to buy$80,000