Real Estate Investing in Gildford, Montana (59525)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59525 (Gildford, 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: 25.8% 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 Gildford, MT (59525)?
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Market Analysis: 59525 Gildford
Not every below-median market is a bargain. Gildford's 59525 ZIP posts signals that favor experienced operators who can absorb the risk $251K pricing implies.
The investment case in 59525 is healthy only for operators who understand what they are buying. A $251K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Within MT, ZIP 59525 trails on several market indicators that neighboring Hill County submarkets outperform. The gap is real and healthy enough to shape underwriting.
The 59525 ZIP's population of 307 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that shows the need for careful underwriting.
The 59525 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.
Here's what matters if you're considering buying a home in Gildford:
Market Trends
Home Value History (with trend line)
📊 How Does 59525 Compare?
| Metric | 59525 | Gildford | Montana |
|---|---|---|---|
| Home Value | $251,113 | $251,113 | $457,278 |
| 5-Year CAGR | 3.6% | 3.6% | 9.2% |
| Avg Rent | $1,206 | $1,206 | - |
| Cap Rate | 3.8% | 3.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59525 (Gildford, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $251,113 |
| Monthly Rent | $1,206 |
| Price-to-Rent | 17.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 7.4% |
📈 Home Appreciation
| 1-Year | +0.3% ▲ |
| 3-Year CAGR | +4.0% ▲ |
| 5-Year CAGR | +3.6% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 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 (3.8%). 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 59525
Population: 307
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 59525
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
What price range are homes in Gildford, MT?
The median home value in Gildford, MT is roughly $251K. That puts it reasonable relative to the MT statewide average.
Do rentals sit vacant long in Gildford, MT?
Expect elevated vacancy in Gildford, MT. Rents at $1,206/mo are absorbed by the tenant base without meaningful lag.
How strong is tenant demand in Gildford, MT?
Working renters make up the core of the Gildford, MT tenant base. The pool is reasonable for investors targeting long-term holds.
What is the average monthly rent in Gildford, MT?
Expect rents around $1,206/mo per month in Gildford, MT. With home values at $251K, the yield math works out to reasonable levels for rental investors.
Can owner-occupants cash flow in Gildford, MT?
Gildford, MT offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,206/mo rent level.
You know 59525 now. You don’t know where it ranks.
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