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Elliston CDP, MT

ZIP 59728 — 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 59728

Median Home Value
$397,200
Median Rent
$642
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,552/mo PITI).

10%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

51.6 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 59728 in Elliston CDP, MT, a household would need roughly $109,000 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 $2,552. That is about 46% above the local median household income ($74,792), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.5%+15% vs US avg
x
Vacancy Rate
27.2%+164% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
10.3%-31% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.5%-45% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$397,200
Home Value
$642
Rent
1982
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached88.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$397,200
Median rent$642
Owner-occupied75.5%
Vacant27.2%
Price-to-income5.3x
Est. income to buy$109,000