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Twin Creeks CDP, MT

ZIP 59823 — 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 59823

Median Home Value
$465,800
Median Rent
$575
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,992/mo PITI).

8%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

67.5 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 59823 in Twin Creeks CDP, MT, a household would need roughly $128,000 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 $2,992. That is about 55% above the local median household income ($82,548), 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
87.8%+34% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.5%-15% vs US avg
x
$465,800
Home Value
$575
Rent
1987
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached84.3%
  • 1-unit attached2.1%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$465,800
Median rent$575
Owner-occupied87.8%
Vacant5.9%
Price-to-income5.6x
Est. income to buy$128,000