Real Estate Investing in Hingham, Montana (59540)

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

Hill County • Population: 470 • Data updated: September 2026

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Should you buy in 59540 (Hingham, MT)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 26.2% of homes vacant — above national norms.

• 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 Hingham, MT (59540)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $193,545
Avg Monthly Rent $1,026
1% Rule ✗ Does Not Meet
Median Income $63,750
% Renters 46.2%

Market Analysis: 59540 Hingham

This part of Hill County is not an easy win. The 59540 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 59540 is healthy only for operators who understand what they are buying. A $194K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

The gap between 59540 and stronger Hingham ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The 59540 ZIP's population of 470 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.

The 59540 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Hingham:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Stable (+0.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,026/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$213K$186K$159K$132K$105K$77KNov 2014Sep 2020Jul 2026

📊 How Does 59540 Compare?

Metric 59540 Hingham Montana
Home Value $193,545 $96,772 $457,278
5-Year CAGR 3.4% 3.4% 9.2%
Avg Rent $1,026 $1,026 -
Cap Rate 4.1% 4.1% -
💡 Why Invest in 59540? Click to expand

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

A healthy rental market with 46% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 59540 (Hingham, MT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.1%
Fair
5yr Growth
+3.4%
Moderate

📊 Market Snapshot

Home Value $193,545
Monthly Rent $1,026
Price-to-Rent 15.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.1%
5-Year IRR 7.6%

📈 Home Appreciation

1-Year +0.3% ▲
3-Year CAGR +3.3% ▲
5-Year CAGR +3.4% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). 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
26.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 59540

Population: 470

💰 Median Household Income
$63,750
This area
$63,750
State
$64,023
USA
$74,580
🏠 Renter Occupied
46.2%
This area
46.2%
State
24.3%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-0.5%
USA
3.7%
🎓 College Educated
32.6%
This area
32.6%
State
20.1%
USA
33.7%
👤 Median Age
30.8 years
This area
30.8 years
State
38.3 years
USA
38.9 years
🏚️ Vacancy Rate
26.2%
This area
26.2%
State
26.6%
USA
10.5%
👥 Population by Ethnicity
White 94.7%
Other/Mixed 5.4%
👶 Under 18
40.1%
This area
40.1%
USA
22.0%
👴 65 and Over
12.5%
This area
12.5%
USA
17.3%
📊 Poverty Rate
2.3%
This area
2.3%
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 59540

A Avg School Grade
2 Schools
9.8:1 Avg Class Size
$25,524 Avg Per Pupil

Schools in This ZIP Code

A Very Good

North Star High School

📚 09 – 12 High School
👥
57 Students
👨‍🏫
8.9:1 Class Size
💰
$33,104 Per Student
B+ Above Average

North Star 7-8

📚 07 – 08 Middle
👥
29 Students
👨‍🏫
10.7:1 Class Size
💰
$17,943 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

What price range are homes in Hingham, MT?

The median home value in Hingham, MT is roughly $194K. That puts it reasonable relative to the MT statewide average.

How do landlord-tenant laws work in Hingham, MT?

MT law landlord-friendly for landlords, and Hingham inherits those rules. Investors should still review local ordinances for rental licensing.

Is Hingham, MT good for house hacking?

The house hack math a challenging in Hingham, MT. Owner-occupant buyers benefit from the $1,026/mo rents and $194K home values.

Is Hingham in MT worth investing in?

Our data puts Hingham, MT at 3.0/5 for investability. Home prices of $194K and rents around $1,026/mo create a solid backdrop for investor activity.

Are renters plentiful in Hingham, MT?

Hingham, MT draws a steady base of working renters. Demand at the $1,026/mo rent level is reasonable for standard single-family and small multi rentals.

You know 59540 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 59540 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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