US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59601
  5. Housing & Real Estate
Helena city, MT

ZIP 59601 — 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 59601

Median Home Value
$355,000
Median Rent
$924
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,280/mo PITI).

16%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

32.0 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 59601 in Helena city, MT, a household would need roughly $98,000 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 $2,280. That is about 39% above the local median household income ($70,502), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.8%-13% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
8.2%-45% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
45.7%+20% vs US avg
x
$355,000
Home Value
$924
Rent
1973
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached55.7%
  • 1-unit attached5.0%
  • 2-9 units24.6%
  • 10+ units10.4%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,000
Median rent$924
Owner-occupied56.8%
Vacant7.3%
Price-to-income5.0x
Est. income to buy$98,000