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Geraldine town, MT

ZIP 59446 — 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 59446

Median Home Value
$118,800
Median Rent
$355
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$763/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.9 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 59446 in Geraldine town, MT, a household would need roughly $33,000 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 $763. That sits below the local median household income ($55,000), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.1%+18% vs US avg
x
Vacancy Rate
32.6%+216% vs US avg
x
Broadband Access
70.3%-19% vs US avg
x
4+ Bedrooms
8.3%-44% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
3.7%-93% vs US avg
x
Mortgage-Free
83.0%+117% vs US avg
x
$118,800
Home Value
$355
Rent
1963
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached73.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other26.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$118,800
Median rent$355
Owner-occupied77.1%
Vacant32.6%
Price-to-income2.2x
Est. income to buy$33,000