Real Estate Investing in Chester, Montana (59522)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59522 (Chester, MT)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 21.5% of homes vacant — above national norms.
- Elevated poverty: 20.5% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Chester, MT (59522)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 59522 Chester
ZIP 59522 in Chester, MT carries a robust set of headwinds. Home values near $217K and rents of $927/mo sit inside a market where underwriting has to be tight.
The investment case in 59522 is sturdy only for operators who understand what they are buying. A $217K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Regionally, 59522 sits on the difficult end of the MT spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
The 59522 ZIP's population of 1,227 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.
New investors are better served looking at Chester's stable or hybrid ZIPs before stepping into 59522. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Chester:
Property Strategy for 59522
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $152,695 | $1,030 | 4.9% | +8.8% | $76,347 |
| 3BR | $232,845 | $1,430 | 4.4% | +8.0% | $77,615 |
Market Trends
Home Value History (with trend line)
📊 How Does 59522 Compare?
| Metric | 59522 | Chester | Montana |
|---|---|---|---|
| Home Value | $217,352 | $217,352 | $457,278 |
| 5-Year CAGR | 6.2% | 6.2% | 9.2% |
| Avg Rent | $927 | $927 | - |
| Cap Rate | 3.3% | 3.3% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59522 (Chester, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $217,352 |
| Monthly Rent | $927 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | +5.2% ▲ |
| 3-Year CAGR | +5.2% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +6.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). 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.
Demographics in 59522
Population: 1,227
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 59522
Schools in This ZIP Code
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
Is the tenant base reliable in Chester, MT?
Tenant quality in Chester, MT ranks as solid. Landlords generally report predictable occupancy at market rents of $927/mo.
Which investment style suits Chester, MT?
In Chester, MT the solid play is typically careful cash-flow rentals with hands-on management. The combination of $217K prices and $927/mo rents suits that approach.
Is vacancy a concern in Chester, MT?
Chester, MT vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Is Chester, MT a friendly market for rental owners?
Rental owners in Chester, MT deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
Are homes affordable in Chester, MT?
Typical homes in Chester, MT go for around $217K. The 5-year CAGR of 0.0% predictable price movement.
You know 59522 now. You don’t know where it ranks.
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Community Ratings
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