US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59802
  5. Housing & Real Estate
Missoula city, MT

ZIP 59802 — 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 59802

Median Home Value
$420,200
Median Rent
$932
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,699/mo PITI).

17%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

37.6 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 59802 in Missoula city, MT, a household would need roughly $116,000 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 $2,699. That is about 78% above the local median household income ($65,054), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
52.6%-19% vs US avg
x
Vacancy Rate
10.1%-2% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
1.1%-83% vs US avg
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$420,200
Home Value
$932
Rent
1976
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached49.3%
  • 1-unit attached6.1%
  • 2-9 units16.8%
  • 10+ units18.9%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$420,200
Median rent$932
Owner-occupied52.6%
Vacant10.1%
Price-to-income6.5x
Est. income to buy$116,000