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Shelby city, MT

ZIP 59474 — 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 59474

Median Home Value
$203,600
Median Rent
$659
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,308/mo PITI).

15%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

25.7 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 59474 in Shelby city, MT, a household would need roughly $56,000 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 $1,308. That is roughly in line with the local median household income ($54,004). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
17.7%+71% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.9%-84% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$203,600
Home Value
$659
Rent
1969
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached70.1%
  • 1-unit attached0.0%
  • 2-9 units13.0%
  • 10+ units8.5%
  • Mobile home & other8.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$203,600
Median rent$659
Owner-occupied66.8%
Vacant17.7%
Price-to-income3.8x
Est. income to buy$56,000