Real Estate Investing in Roy, Montana (59471)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59471 (Roy, MT)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 27.5% of homes vacant — above national norms.
- 1-year downturn: Values declined 7.0% in the last year.
• 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 Roy, MT (59471)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 59471 Roy
Investors eyeing 59471 need to respect the fundamentals at play. Home values of $275K come alongside slower price movement and elevated management overhead.
The 59471 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Roy have seen price recovery that 59471 has not matched. Fergus County data supports the view that the spread is structural rather than temporary.
The demographic picture in 59471 includes headwinds that any investor should price in. Income distribution skews lower than Roy averages, and tenant stability requires active management.
The right play in 59471 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Roy:
Market Trends
Home Value History (with trend line)
📊 How Does 59471 Compare?
| Metric | 59471 | Roy | Montana |
|---|---|---|---|
| Home Value | $275,071 | $275,071 | $457,278 |
| 5-Year CAGR | 6.6% | 6.6% | 9.2% |
| Avg Rent | $1,224 | $1,224 | - |
| Cap Rate | 3.5% | 3.5% | - |
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59471 (Roy, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $275,071 |
| Monthly Rent | $1,224 |
| Price-to-Rent | 18.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.5% |
| 5-Year IRR | 10.0% |
📈 Home Appreciation
| 1-Year | -7.0% ▼ |
| 3-Year CAGR | +2.2% ▲ |
| 5-Year CAGR | +6.6% ▲ |
| 10-Year CAGR | +8.0% ▲ |
🏠 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 (3.5%). 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.
Demographics in 59471
Population: 316
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 59471
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 Roy, MT a good market for buy-and-hold investors?
Investors tracking Roy, MT will find a 3.0/5 rating supported by $275K median home values and $1,224/mo rents. That profile suits long-term holders targeting steady returns.
Are landlord laws favorable in Roy, MT?
Roy, MT operates under MT law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.
Should investors worry about vacancy in Roy, MT?
Roy, MT sees elevated vacancy, which is reasonable relative to the broader MT rental market.
Which real estate strategy fits Roy, MT?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Roy, MT. The numbers - $275K homes against $1,224/mo rents - support that play.
How much is rent in Roy, MT?
Rents in Roy, MT run near $1,224/mo. Compared with median home prices of $275K that produces solid gross yields for typical rentals.
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