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Philipsburg town, MT

ZIP 59858 — 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 59858

Median Home Value
$349,500
Median Rent
$736
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,245/mo PITI).

18%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

39.6 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 59858 in Philipsburg town, 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 $2,245. That is about 97% above the local median household income ($48,854), 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

Vacancy rate 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
33.6%+226% vs US avg
x
Broadband Access
80.5%-7% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
66.7%+75% vs US avg
x
$349,500
Home Value
$736
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.5%
  • 1-unit attached1.5%
  • 2-9 units8.9%
  • 10+ units0.0%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$349,500
Median rent$736
Owner-occupied68.8%
Vacant33.6%
Price-to-income7.2x
Est. income to buy$96,000