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Valier town, MT

ZIP 59486 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59486

Median Home Value
$145,200
Median Rent
$663
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$933/mo PITI).

15%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.3 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 59486 in Valier town, MT, a household would need roughly $40,000 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 $933. That sits below the local median household income ($53,056), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
80.5%-7% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
10.4%-19% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
8.2%-83% vs US avg
x
Mortgage-Free
68.5%+79% vs US avg
x
$145,200
Home Value
$663
Rent
1961
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached80.3%
  • 1-unit attached0.7%
  • 2-9 units6.8%
  • 10+ units0.0%
  • Mobile home & other12.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,200
Median rent$663
Owner-occupied82.2%
Vacant14.5%
Price-to-income2.7x
Est. income to buy$40,000