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Cooke City CDP, MT

ZIP 59020 — 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 59020

Median Home Value
$362,500
Median Rent
$986
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,329/mo PITI).

28%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

30.6 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 59020 in Cooke City CDP, MT, a household would need roughly $100,000 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 $2,329. That is about 135% above the local median household income ($42,500), 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 61% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.2%-26% vs US avg
x
Vacancy Rate
60.8%+491% vs US avg
x
Broadband Access
82.1%-6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
77.8%+104% vs US avg
x
$362,500
Home Value
$986
Rent
1982
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached90.2%
  • 1-unit attached0.0%
  • 2-9 units2.1%
  • 10+ units1.4%
  • Mobile home & other6.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$362,500
Median rent$986
Owner-occupied48.2%
Vacant60.8%
Price-to-income8.5x
Est. income to buy$100,000