Real Estate Investing in Fairfield, Montana (59477)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59477 (Fairfield, 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.
- Elevated vacancy: 11.3% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 25.6 — hard to cash-flow at these prices.
• 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 Fairfield, MT (59477)?
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Market Analysis: 59477 Fairfield
This part of Cascade County is not an easy win. The 59477 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 59477 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
The gap between 59477 and stronger Fairfield ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 59477 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The right play in 59477 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 Fairfield:
Market Trends
Home Value History (with trend line)
📊 How Does 59477 Compare?
| Metric | 59477 | Fairfield | Great Falls, MT | Montana |
|---|---|---|---|---|
| Home Value | $370,170 | $370,170 | N/A | $457,278 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 9.2% |
| Avg Rent | $1,206 | $1,206 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59477 (Fairfield, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $370,170 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 25.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | -0.6% ▼ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +7.3% ▲ |
🏠 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 (2.5%). 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 59477
Population: 326
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 59477
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
How high is vacancy risk in Fairfield, MT?
Fairfield, MT carries elevated vacancy risk. Expect steady absorption at market rents of $1,206/mo.
Are rents high in Fairfield, MT?
Fairfield, MT rentals go for roughly $1,206/mo a month. That puts gross yield in solid territory relative to $370K acquisition costs.
What investment strategy works best in Fairfield, MT?
In Fairfield, MT the significant play is typically careful cash-flow rentals with hands-on management. The combination of $370K prices and $1,206/mo rents suits that approach.
How qualified is the tenant pool in Fairfield, MT?
Expect a solid tenant pool in Fairfield, MT. The rental market absorbs $1,206/mo rents without meaningful friction.
Is Fairfield, MT a good market for buy-and-hold investors?
Our data puts Fairfield, MT at 3.0/5 for investability. Home prices of $370K and rents around $1,206/mo create a solid backdrop for investor activity.
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How 59477 ranks in Great Falls, MT
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