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Seeley Lake CDP, MT

ZIP 59868 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59868

Median Home Value
$286,800
Median Rent
$911
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,842/mo PITI).

23%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

26.2 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 59868 in Seeley Lake CDP, MT, a household would need roughly $79,000 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 $1,842. That is about 63% above the local median household income ($48,409), 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 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.0%+39% vs US avg
x
Vacancy Rate
46.7%+354% vs US avg
x
Broadband Access
82.4%-5% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
55.9%+46% vs US avg
x
$286,800
Home Value
$911
Rent
1991
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached86.0%
  • 1-unit attached0.3%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other13.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$286,800
Median rent$911
Owner-occupied91.0%
Vacant46.7%
Price-to-income5.9x
Est. income to buy$79,000