US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59804
  5. Housing & Real Estate
Orchard Homes CDP, MT

ZIP 59804 — 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 59804

Median Home Value
$507,300
Median Rent
$1,043
Affordability Snapshot
$140,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,259/mo PITI).

17%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

40.5 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 59804 in Orchard Homes CDP, MT, a household would need roughly $140,000 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 $3,259. That is about 87% above the local median household income ($74,877), 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
65.1%-0% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
14.1%-4% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
33.8%-32% vs US avg
x
Mortgage-Free
46.2%+21% vs US avg
x
$507,300
Home Value
$1,043
Rent
1978
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 detached61.0%
  • 1-unit attached5.4%
  • 2-9 units13.7%
  • 10+ units10.8%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$507,300
Median rent$1,043
Owner-occupied65.1%
Vacant3.6%
Price-to-income6.8x
Est. income to buy$140,000