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Rudyard CDP, MT

ZIP 59540 — 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 59540

Median Home Value
$100,000
Median Rent
$432
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$642/mo PITI).

7%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.3 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 59540 in Rudyard CDP, MT, a household would need roughly $28,000 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 $642. That sits below the local median household income ($71,319), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.0%-27% vs US avg
x
Vacancy Rate
19.0%+84% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
18.0%+22% vs US avg
x
Built Pre-1939
16.1%+26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
79.3%+108% vs US avg
x
$100,000
Home Value
$432
Rent
1955
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.4%
  • 1-unit attached0.0%
  • 2-9 units8.1%
  • 10+ units0.0%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$100,000
Median rent$432
Owner-occupied48.0%
Vacant19.0%
Price-to-income1.4x
Est. income to buy$28,000