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Missoula city, MT

ZIP 59801 — 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 59801

Median Home Value
$393,400
Median Rent
$1,010
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,527/mo PITI).

22%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

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

32.5 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 59801 in Missoula city, MT, a household would need roughly $108,000 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 $2,527. That is about 96% above the local median household income ($55,022), 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
40.8%-38% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$393,400
Home Value
$1,010
Rent
1970
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached46.8%
  • 1-unit attached6.5%
  • 2-9 units26.8%
  • 10+ units13.8%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$393,400
Median rent$1,010
Owner-occupied40.8%
Vacant5.9%
Price-to-income7.1x
Est. income to buy$108,000