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Hays CDP, MT

ZIP 59527 — 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 59527

Median Home Value
$64,300
Median Rent
$275
Affordability Snapshot
$18,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$413/mo PITI).

6%
Rent-to-Income Ratio

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

1.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.5 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 59527 in Hays CDP, MT, a household would need roughly $18,000 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 $413. That sits below the local median household income ($58,000), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
54.9%-16% vs US avg
x
Vacancy Rate
17.0%+65% vs US avg
x
Broadband Access
79.9%-8% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
5.4%-89% vs US avg
x
Mortgage-Free
91.1%+139% vs US avg
x
$64,300
Home Value
$275
Rent
1980
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached71.2%
  • 1-unit attached2.3%
  • 2-9 units15.6%
  • 10+ units0.0%
  • Mobile home & other11.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$64,300
Median rent$275
Owner-occupied54.9%
Vacant17.0%
Price-to-income1.1x
Est. income to buy$18,000