US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59645
  5. Housing & Real Estate
White Sulphur Springs city, MT

ZIP 59645 — 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 59645

Median Home Value
$283,100
Median Rent
$535
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,819/mo PITI).

11%
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.

44.1 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 59645 in White Sulphur Springs city, MT, a household would need roughly $78,000 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 $1,819. That is about 32% above the local median household income ($59,231), 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

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
32.8%+218% vs US avg
x
Broadband Access
79.3%-9% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
8.3%-83% vs US avg
x
Mortgage-Free
55.1%+44% vs US avg
x
$283,100
Home Value
$535
Rent
1976
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached78.9%
  • 1-unit attached0.3%
  • 2-9 units1.4%
  • 10+ units0.1%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,100
Median rent$535
Owner-occupied83.3%
Vacant32.8%
Price-to-income4.8x
Est. income to buy$78,000