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Gallatin River Ranch CDP, MT

ZIP 59741 — 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 59741

Median Home Value
$562,300
Median Rent
$1,571
Affordability Snapshot
$155,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,612/mo PITI).

22%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

29.8 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 59741 in Gallatin River Ranch CDP, MT, a household would need roughly $155,000 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 $3,612. That is about 79% above the local median household income ($86,382), 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
78.9%+21% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
12.2%-18% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
4.0%-43% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
49.0%+28% vs US avg
x
$562,300
Home Value
$1,571
Rent
1990
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 detached80.7%
  • 1-unit attached4.3%
  • 2-9 units4.1%
  • 10+ units5.0%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$562,300
Median rent$1,571
Owner-occupied78.9%
Vacant3.9%
Price-to-income6.5x
Est. income to buy$155,000