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Spokane Creek CDP, MT

ZIP 59635 — 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 59635

Median Home Value
$356,200
Median Rent
$877
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,288/mo PITI).

14%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

33.8 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 59635 in Spokane Creek CDP, MT, a household would need roughly $98,000 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 $2,288. That is about 33% above the local median household income ($73,664), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.7%+28% vs US avg
x
Vacancy Rate
1.8%-82% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
14.3%-3% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
4.8%-31% vs US avg
x
Rent Burden >30%
30.4%-39% vs US avg
x
Mortgage-Free
32.4%-15% vs US avg
x
$356,200
Home Value
$877
Rent
1985
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached76.1%
  • 1-unit attached2.3%
  • 2-9 units10.4%
  • 10+ units0.0%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$356,200
Median rent$877
Owner-occupied83.7%
Vacant1.8%
Price-to-income4.8x
Est. income to buy$98,000