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Garrison CDP, MT

ZIP 59731 — 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 59731

Median Home Value
$350,000
Median Rent
N/A
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,248/mo PITI).

6.0x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 59731 in Garrison CDP, MT, a household would need roughly $96,000 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 $2,248. That is about 63% above the local median household income ($58,750), 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
94.5%+45% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
65.8%-24% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
37.7%-1% vs US avg
x
$350,000
Home Value
N/A
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached71.4%
  • 1-unit attached0.0%
  • 2-9 units1.3%
  • 10+ units0.0%
  • Mobile home & other27.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$350,000
Median rent$-666,666,666
Owner-occupied94.5%
Vacant5.2%
Price-to-income6.0x
Est. income to buy$96,000