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Reed Point CDP, MT

ZIP 59069 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59069

Median Home Value
$392,400
Median Rent
$1,352
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,521/mo PITI).

24%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

24.2 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 59069 in Reed Point CDP, MT, a household would need roughly $108,000 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 $2,521. That is about 58% above the local median household income ($68,333), 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 39% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.2%+42% vs US avg
x
Vacancy Rate
39.1%+279% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
45.4%+19% vs US avg
x
$392,400
Home Value
$1,352
Rent
1991
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 detached87.3%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other12.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$392,400
Median rent$1,352
Owner-occupied93.2%
Vacant39.1%
Price-to-income5.7x
Est. income to buy$108,000