Real Estate Investing in Canyon Creek, Montana (59633)

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

Lewis and Clark County • Population: 288 • Data updated: September 2026

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Should you buy in 59633 (Canyon Creek, MT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

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
2 flags
  • High vacancy: 31.3% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 31.8 — 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 Canyon Creek, MT (59633)?

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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 $518,379
Avg Monthly Rent $1,359
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 13.3%

Market Analysis: 59633 Canyon Creek

Investors eyeing 59633 need to respect the fundamentals at play. Home values of $518K come alongside slower price movement and elevated management overhead.

The 59633 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Regionally, 59633 sits on the difficult end of the MT spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

A sturdy renter share of 13% in 59633 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. substantial returns are possible in 59633, but they flow to investors who already understand how to operate in soft markets.

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 Canyon Creek:

Affordability
Affordable
Homes cost × the median income
Value Trend
Rising (+7.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,359/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Helena, MT Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.4%
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 Helena, MT metro data

Market Trends

Home Value History (with trend line)

$545K$468K$392K$315K$239K$162KJan 2013Oct 2019Jul 2026

📊 How Does 59633 Compare?

Metric 59633 Canyon Creek Helena, MT Montana
Home Value $518,379 $518,379 N/A $457,278
5-Year CAGR 7.3% 7.3% N/A 9.2%
Avg Rent $1,359 $1,359 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 59633? 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 59633 (Canyon Creek, MT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+7.3%
Strong

📉 Market Crash Risk Index

Based on Helena, 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 $518,379
Monthly Rent $1,359
Price-to-Rent 31.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.2%
Cap Rate 2.0%
5-Year IRR 9.3%

📈 Home Appreciation

1-Year +7.9% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +7.3% ▲
10-Year CAGR +8.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
31.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.3%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 59633

Population: 288

💰 Median Household Income
N/A
🏠 Renter Occupied
13.3%
This area
13.3%
State
24.3%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-0.5%
USA
3.7%
🎓 College Educated
20.5%
This area
20.5%
State
20.1%
USA
33.7%
👤 Median Age
54.0 years
This area
54.0 years
State
38.3 years
USA
38.9 years
🏚️ Vacancy Rate
31.3%
This area
31.3%
State
26.6%
USA
10.5%
👥 Population by Ethnicity
White 91.0%
Other/Mixed 9.0%
👶 Under 18
12.1%
This area
12.1%
USA
22.0%
👴 65 and Over
18.7%
This area
18.7%
USA
17.3%
📊 Poverty Rate
5.1%
This area
5.1%
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 59633

B Avg School Grade
1 Schools
13.2:1 Avg Class Size
$16,378 Avg Per Pupil

Schools in This ZIP Code

B Good

Trinity School

📚 Pre-K – 08 School
👥
41 Students
👨‍🏫
13.2:1 Class Size
💰
$16,378 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 is the typical home price in Canyon Creek, MT?

The median home value in Canyon Creek, MT is roughly $518K. That puts it reasonable relative to the MT statewide average.

What type of investing works in Canyon Creek, MT?

Most investors in Canyon Creek, MT run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

Does Canyon Creek, MT favor landlords or tenants?

Canyon Creek, MT falls under MT landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Is Canyon Creek, MT a good market for buy-and-hold investors?

Canyon Creek, MT rates 3.0/5 for investability. With median values at $518K and rents near $1,359/mo, the market offers reasonable fundamentals for rental investors.

Is the tenant base reliable in Canyon Creek, MT?

Canyon Creek, MT offers a even-keeled renter base at the $1,359/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 59633 now. You don’t know where it ranks.

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How 59633 ranks in Helena, MT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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