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Columbia Falls city, MT

ZIP 59912 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59912

Median Home Value
$438,000
Median Rent
$810
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,814/mo PITI).

13%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

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

45.1 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 59912 in Columbia Falls city, MT, a household would need roughly $121,000 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 $2,814. That is about 65% above the local median household income ($73,515), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.4%+18% vs US avg
x
Vacancy Rate
11.8%+15% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$438,000
Home Value
$810
Rent
1989
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached74.1%
  • 1-unit attached2.2%
  • 2-9 units8.5%
  • 10+ units2.7%
  • Mobile home & other12.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$438,000
Median rent$810
Owner-occupied77.4%
Vacant11.8%
Price-to-income6.0x
Est. income to buy$121,000