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Wisdom CDP, MT

ZIP 59761 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59761

Median Home Value
$300,000
Median Rent
$675
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,927/mo PITI).

14%
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.

37.0 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 59761 in Wisdom CDP, MT, a household would need roughly $83,000 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 $1,927. That is about 39% above the local median household income ($59,837), 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 41% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+11% vs US avg
x
Vacancy Rate
40.8%+296% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.7%-85% vs US avg
x
Mortgage-Free
55.9%+46% vs US avg
x
$300,000
Home Value
$675
Rent
1982
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached2.5%
  • 2-9 units2.5%
  • 10+ units0.0%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,000
Median rent$675
Owner-occupied72.3%
Vacant40.8%
Price-to-income5.0x
Est. income to buy$83,000