Real Estate Investing in Sun River, Montana (59483)

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

Cascade County • Population: 353 • Data updated: September 2026

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Should you buy in 59483 (Sun River, MT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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
3 flags
  • Elevated vacancy: 10.9% vacancy may signal weakening demand.
  • 1-year downturn: Values declined 3.0% in the last year.
  • High price-to-rent: Price-to-rent ratio 31.4 — 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 Sun River, MT (59483)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $454,995
Avg Monthly Rent $1,206
1% Rule ✗ Does Not Meet
Median Income $81,615
% Renters 10.4%

Market Analysis: 59483 Sun River

This part of Cascade County is not an easy win. The 59483 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 59483 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 59483 sits on the difficult end of the MT spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

The 59483 ZIP's population of 353 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.

The right play in 59483 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Sun River:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.6× the median income
Value Trend
Declining (-3.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,206/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Great Falls, MT Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Great Falls, MT metro data

Market Trends

Home Value History (with trend line)

$501K$431K$361K$291K$221K$152KJan 2013Oct 2019Jul 2026

📊 How Does 59483 Compare?

Metric 59483 Sun River Great Falls, MT Montana
Home Value $454,995 $454,995 N/A $457,278
5-Year CAGR 5.7% 5.7% N/A 9.2%
Avg Rent $1,206 $1,206 N/A -
Cap Rate 2.1% 2.1% - -
💡 Why Invest in 59483? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 59483 (Sun River, MT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.1%
Low
5yr Growth
+5.7%
Moderate

📉 Market Crash Risk Index

Based on Great Falls, MT metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $454,995
Monthly Rent $1,206
Price-to-Rent 31.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.2%
Cap Rate 2.1%
5-Year IRR 7.8%

📈 Home Appreciation

1-Year -3.0% ▼
3-Year CAGR +2.6% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). 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
10.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 59483

Population: 353

💰 Median Household Income
$81,615
This area
$81,615
State
$64,023
USA
$74,580
🏠 Renter Occupied
10.4%
This area
10.4%
State
24.3%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-0.5%
USA
3.7%
🎓 College Educated
24.1%
This area
24.1%
State
20.1%
USA
33.7%
👤 Median Age
54.5 years
This area
54.5 years
State
38.3 years
USA
38.9 years
🏚️ Vacancy Rate
10.9%
This area
10.9%
State
26.6%
USA
10.5%
👥 Population by Ethnicity
White 99.7%
Hispanic/Latino 0.3%
Other/Mixed 0.3%
👶 Under 18
10.6%
This area
10.6%
USA
22.0%
👴 65 and Over
34.4%
This area
34.4%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 59483

B+ Avg School Grade
1 Schools
12.5:1 Avg Class Size
$17,699 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Cascade Colony School

📚 Pre-K – 08 School
👥
14 Students
👨‍🏫
12.5:1 Class Size
💰
$17,699 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 much should I expect to pay for a home in Sun River, MT?

Expect median prices around $455K in Sun River, MT. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

What monthly rent should investors expect in Sun River, MT?

Average rent in Sun River, MT is approximately $1,206/mo per month. Against $455K home values that yields a reasonable rent-to-price ratio.

How deep is the rental pool in Sun River, MT?

The tenant pool in Sun River, MT is solid, supported by local employment and population fundamentals. Rents of $1,206/mo are well-absorbed by the market.

What does house hacking look like in Sun River, MT?

The a challenging house-hack environment in Sun River, MT reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Which real estate strategy fits Sun River, MT?

The best-fit strategy in Sun River, MT is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 59483 now. You don’t know where it ranks.

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How 59483 ranks in Great Falls, MT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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