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Melstone town, MT

ZIP 59054 — 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 59054

Median Home Value
$184,400
Median Rent
$441
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,185/mo PITI).

10%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

34.8 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 59054 in Melstone town, MT, a household would need roughly $51,000 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 $1,185. That is roughly in line with the local median household income ($52,708). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.8%+33% vs US avg
x
Vacancy Rate
20.3%+97% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
23.8%+61% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
62.6%+64% vs US avg
x
$184,400
Home Value
$441
Rent
1976
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 detached69.2%
  • 1-unit attached11.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other18.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,400
Median rent$441
Owner-occupied86.8%
Vacant20.3%
Price-to-income3.5x
Est. income to buy$51,000