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Chinook city, MT

ZIP 59523 — 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 59523

Median Home Value
$200,700
Median Rent
$557
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,289/mo PITI).

9%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.0 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 59523 in Chinook city, MT, a household would need roughly $55,000 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 $1,289. That sits below the local median household income ($74,107), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.8%+11% vs US avg
x
Vacancy Rate
19.3%+87% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
14.4%+13% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
51.3%+34% vs US avg
x
$200,700
Home Value
$557
Rent
1959
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached87.9%
  • 1-unit attached1.8%
  • 2-9 units2.7%
  • 10+ units4.1%
  • Mobile home & other3.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,700
Median rent$557
Owner-occupied72.8%
Vacant19.3%
Price-to-income2.7x
Est. income to buy$55,000