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Missoula city, MT

ZIP 59808 — 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 59808

Median Home Value
$419,800
Median Rent
$1,186
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,697/mo PITI).

19%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

29.5 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 59808 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 $2,697. That is about 51% above the local median household income ($76,795), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.2%-3% vs US avg
x
Vacancy Rate
4.2%-60% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
10.1%-31% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
30.6%-38% vs US avg
x
Mortgage-Free
36.9%-4% vs US avg
x
$419,800
Home Value
$1,186
Rent
2003
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 detached50.1%
  • 1-unit attached3.9%
  • 2-9 units6.8%
  • 10+ units24.1%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$419,800
Median rent$1,186
Owner-occupied63.2%
Vacant4.2%
Price-to-income5.5x
Est. income to buy$116,000