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Stevensville town, MT

ZIP 59870 — 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 59870

Median Home Value
$465,800
Median Rent
$831
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,992/mo PITI).

12%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

46.7 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 59870 in Stevensville town, MT, a household would need roughly $128,000 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 $2,992. That is about 59% above the local median household income ($80,389), 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
83.8%+28% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
6.9%-54% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
39.5%+3% vs US avg
x
$465,800
Home Value
$831
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached82.6%
  • 1-unit attached3.8%
  • 2-9 units5.7%
  • 10+ units1.1%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$465,800
Median rent$831
Owner-occupied83.8%
Vacant7.5%
Price-to-income5.8x
Est. income to buy$128,000