US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59034
  5. Housing & Real Estate
Hardin city, MT

ZIP 59034 — 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 59034

Median Home Value
$178,200
Median Rent
$597
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,145/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.9 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 59034 in Hardin city, MT, a household would need roughly $49,000 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 $1,145. That sits below the local median household income ($59,559), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.6%-6% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
9.0%-30% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
58.3%+53% vs US avg
x
$178,200
Home Value
$597
Rent
1972
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached63.6%
  • 1-unit attached0.5%
  • 2-9 units17.3%
  • 10+ units7.0%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,200
Median rent$597
Owner-occupied61.6%
Vacant11.3%
Price-to-income3.0x
Est. income to buy$49,000