US5.com
  1. Home
  2. States
  3. Montana
  4. ZIP 59937
  5. Housing & Real Estate
Whitefish city, MT

ZIP 59937 — 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 59937

Median Home Value
$654,800
Median Rent
$1,148
Affordability Snapshot
$180,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,206/mo PITI).

18%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

47.5 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 59937 in Whitefish city, MT, a household would need roughly $180,000 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 $4,206. That is about 138% above the local median household income ($75,512), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+11% vs US avg
x
Vacancy Rate
23.9%+132% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
27.7%-44% vs US avg
x
Mortgage-Free
47.0%+23% vs US avg
x
$654,800
Home Value
$1,148
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.5%
  • 1-unit attached6.4%
  • 2-9 units13.5%
  • 10+ units9.3%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$654,800
Median rent$1,148
Owner-occupied72.3%
Vacant23.9%
Price-to-income8.7x
Est. income to buy$180,000