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The Silos CDP, MT

ZIP 59644 — 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 59644

Median Home Value
$307,500
Median Rent
$804
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,975/mo PITI).

16%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.9 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 59644 in The Silos CDP, MT, a household would need roughly $85,000 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 $1,975. That is about 44% above the local median household income ($59,082), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.1%+15% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
78.5%-10% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
3.1%-75% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
36.2%-5% vs US avg
x
$307,500
Home Value
$804
Rent
1987
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached0.8%
  • 2-9 units3.9%
  • 10+ units1.0%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$307,500
Median rent$804
Owner-occupied75.1%
Vacant7.0%
Price-to-income5.2x
Est. income to buy$85,000