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Hardy CDP, MT

ZIP 59421 — 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 59421

Median Home Value
$337,200
Median Rent
$894
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,166/mo PITI).

15%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

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

31.4 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 59421 in Hardy CDP, MT, a household would need roughly $93,000 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 $2,166. That is about 30% above the local median household income ($71,688), 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 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.7%+31% vs US avg
x
Vacancy Rate
37.0%+259% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
65.6%+72% vs US avg
x
$337,200
Home Value
$894
Rent
1983
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 detached81.9%
  • 1-unit attached0.0%
  • 2-9 units3.8%
  • 10+ units0.0%
  • Mobile home & other14.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$337,200
Median rent$894
Owner-occupied85.7%
Vacant37.0%
Price-to-income4.7x
Est. income to buy$93,000