Real Estate Investing in Hinsdale, Montana (59241)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Valley County • Population: 468 • Data updated: September 2026

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Should you buy in 59241 (Hinsdale, MT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 26.1% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hinsdale, MT (59241)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $210,458
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $46,080
% Renters 27.4%

Market Analysis: 59241 Hinsdale

Investors eyeing 59241 need to respect the fundamentals at play. Home values of $210K come alongside slower price movement and elevated management overhead.

Meanwhile, the numbers look inviting — $210K purchase price, 0.0% nominal cap — the work to hit that pro forma in 59241 is substantial and deserves full respect.

Looking more closely, 59241 offers a low basis, the region around Hinsdale has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 59241 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Hinsdale's stable or hybrid ZIPs before stepping into 59241. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hinsdale:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+10.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$227K$206K$184K$163K$142K$121KOct 2019Mar 2023Jul 2026

📊 How Does 59241 Compare?

Metric 59241 Hinsdale Montana
Home Value $210,458 $210,458 $457,278
5-Year CAGR 4.8% 4.8% 9.2%
Avg Rent $945 $945 -
Cap Rate 3.5% 3.5% -

Similar ZIPs Within 25 Miles

Compare other nearby markets to see if a neighbor offers a better fit.

💡 Why Invest in 59241? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 59241 (Hinsdale, MT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+4.8%
Moderate

📊 Market Snapshot

Home Value $210,458
Monthly Rent $945
Price-to-Rent 18.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.4%
Cap Rate 3.5%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +10.3% ▲
3-Year CAGR +5.3% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
26.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 59241

Population: 468

💰 Median Household Income
$46,080
This area
$46,080
State
$64,023
USA
$74,580
🏠 Renter Occupied
27.4%
This area
27.4%
State
24.3%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-0.5%
USA
3.7%
🎓 College Educated
27.7%
This area
27.7%
State
20.1%
USA
33.7%
👤 Median Age
48.5 years
This area
48.5 years
State
38.3 years
USA
38.9 years
🏚️ Vacancy Rate
26.1%
This area
26.1%
State
26.6%
USA
10.5%
👥 Population by Ethnicity
White 90.1%
Other/Mixed 9.9%
Hispanic/Latino 3.0%
👶 Under 18
15.2%
This area
15.2%
USA
22.0%
👴 65 and Over
23.9%
This area
23.9%
USA
17.3%
📊 Poverty Rate
1.9%
This area
1.9%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 59241

A Avg School Grade
3 Schools
4.1:1 Avg Class Size
$30,396 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Hinsdale 7-8

📚 07 – 08 Middle
👥
4 Students
👨‍🏫
1.9:1 Class Size
💰
$28,553 Per Student
A Very Good

Hinsdale High School

📚 09 – 12 High School
👥
19 Students
👨‍🏫
4.1:1 Class Size
💰
$34,083 Per Student
A Very Good

Hinsdale School

📚 Pre-K – 06 School
👥
30 Students
👨‍🏫
6.4:1 Class Size
💰
$28,553 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

How does Hinsdale, MT stack up for property investment?

Hinsdale, MT posts an investability rating of 3.0/5, with median home values near $210K and average rents around $945/mo. That combination puts it in the impressive tier for investor interest.

Are rents high in Hinsdale, MT?

Rents in Hinsdale, MT run near $945/mo. Compared with median home prices of $210K that produces solid gross yields for typical rentals.

What is the rental occupancy rate in Hinsdale, MT?

Occupancy in Hinsdale, MT runs reliable with elevated vacancy. Well-priced units at $945/mo lease on reasonable timelines.

Are tenants stable in Hinsdale, MT?

Hinsdale, MT draws a even-keeled base of working renters. Demand at the $945/mo rent level is reasonable for standard single-family and small multi rentals.

Are homes affordable in Hinsdale, MT?

Hinsdale, MT median home values land near $210K. That is reasonable territory for investors looking at $945/mo-per-month rentals.

You know 59241 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 59241 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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