Real Estate Investing in Harlem, Montana (59526)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59526 (Harlem, MT)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
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: 22.9% poverty rate — can affect rent collection.
- Higher unemployment: 10.5% unemployment — tenant risk signal.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Harlem, MT (59526)?
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Market Analysis: 59526 Harlem
Stepping back, ZIP 59526 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $163K median. It rewards specialists, not generalists.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $163K asset, 59526 is the wrong submarket. If the plan prices in friction, the yield can still work.
Regionally, 59526 sits on the difficult end of the MT spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Put differently, 2,584 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategically, 59526 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Harlem:
Property Strategy for 59526
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $114,449 | $1,190 | 7.5% | +9.5% | $57,224 |
| 3BR | $184,058 | $1,430 | 5.6% | +11.1% | $61,353 |
Market Trends
Home Value History (with trend line)
📊 How Does 59526 Compare?
| Metric | 59526 | Harlem | Montana |
|---|---|---|---|
| Home Value | $162,732 | $162,732 | $457,278 |
| 5-Year CAGR | 5.8% | 5.8% | 9.2% |
| Avg Rent | $1,071 | $1,071 | - |
| Cap Rate | 5.1% | 5.1% | - |
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 59526 (Harlem, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $162,732 |
| Monthly Rent | $1,071 |
| Price-to-Rent | 12.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.9% |
| Cap Rate | 5.1% |
| 5-Year IRR | 10.9% |
📈 Home Appreciation
| 1-Year | +8.5% ▲ |
| 3-Year CAGR | +5.8% ▲ |
| 5-Year CAGR | +5.8% ▲ |
| 10-Year CAGR | +8.5% ▲ |
🏠 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 (5.1%). 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.
Demographics in 59526
Population: 2,584
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 59526
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Should investors worry about vacancy in Harlem, MT?
Harlem, MT sees elevated vacancy, which is reasonable relative to the broader MT rental market.
What is the average home sale price in Harlem, MT?
Typical homes in Harlem, MT go for around $163K. The 5-year CAGR of 0.0% stable price movement.
Is Harlem, MT better for rentals, flips, or BRRRR?
Harlem, MT investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($163K prices, $1,071/mo rents) make it a reasonable choice.
Does house hacking make sense in Harlem, MT?
House hacking works a challenging in Harlem, MT. Rents of $1,071/mo against $163K acquisition make the strategy solid for owner-occupants.
What are rental rates like in Harlem, MT?
Rental rates in Harlem, MT average $1,071/mo. Tenant demand and $163K home values make the yield look reasonable by investor standards.
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