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Missoula city, MT

ZIP 59803 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59803

Median Home Value
$492,900
Median Rent
$1,115
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,166/mo PITI).

12%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

36.8 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 59803 in Missoula city, MT, a household would need roughly $136,000 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 $3,166. That is about 25% above the local median household income ($108,992), 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
73.4%+12% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
16.7%+13% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
9.2%-82% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$492,900
Home Value
$1,115
Rent
1984
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached77.6%
  • 1-unit attached5.2%
  • 2-9 units8.6%
  • 10+ units8.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$492,900
Median rent$1,115
Owner-occupied73.4%
Vacant3.5%
Price-to-income4.5x
Est. income to buy$136,000