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Polson city, MT

ZIP 59860 — 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 59860

Median Home Value
$386,100
Median Rent
$803
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,480/mo PITI).

16%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

40.1 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 59860 in Polson city, MT, a household would need roughly $106,000 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 $2,480. That is about 77% above the local median household income ($59,883), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.4%+6% vs US avg
x
Vacancy Rate
29.5%+187% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
24.1%-51% vs US avg
x
Mortgage-Free
40.9%+7% vs US avg
x
$386,100
Home Value
$803
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached77.0%
  • 1-unit attached2.2%
  • 2-9 units11.6%
  • 10+ units3.7%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,100
Median rent$803
Owner-occupied69.4%
Vacant29.5%
Price-to-income6.4x
Est. income to buy$106,000