Real Estate Investing in Toston, Montana (59643)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59643 (Toston, 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: 13.8% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 25.9 — hard to cash-flow at these prices.
- Lower household income: $32,853 median — tenant affordability is tighter.
• 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 Toston, MT (59643)?
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Market Analysis: 59643 Toston
The 59643 ZIP in Toston, MT is a local-operator market. Outside capital chasing a $497K entry has to pair deep knowledge with the discount.
For an experienced owner, 59643 can be a a strong candidate for hunting ground — but the discount at $497K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Toston have seen price recovery that 59643 has not matched. Broadwater County data supports the view that the spread is structural rather than temporary.
From an investor standpoint, 785 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.
appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Toston:
Market Trends
Home Value History (with trend line)
📊 How Does 59643 Compare?
| Metric | 59643 | Toston | Montana |
|---|---|---|---|
| Home Value | $496,904 | $496,904 | $457,278 |
| 5-Year CAGR | 10.5% | 10.5% | 9.2% |
| Avg Rent | $1,602 | $1,602 | - |
| Cap Rate | 2.5% | 2.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59643 (Toston, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $496,904 |
| Monthly Rent | $1,602 |
| Price-to-Rent | 25.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 13.0% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +8.3% ▲ |
| 5-Year CAGR | +10.5% ▲ |
| 10-Year CAGR | +11.7% ▲ |
🏠 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 (2.5%). 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 59643
Population: 785
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
Frequently Asked Questions
Are there empty rentals in Toston, MT?
Vacancy risk in Toston, MT is elevated. That supports even-keeled cash flow for typical rental holds.
Is Toston, MT a good place for real estate investing?
The 3.0/5 investability rating in Toston, MT reflects its $497K prices and $1,602/mo rents. Investors generally consider it a solid option within MT.
How do home values compare in Toston, MT?
The median home value in Toston, MT is roughly $497K. That puts it reasonable relative to the MT statewide average.
Are landlord laws favorable in Toston, MT?
Toston, MT falls under MT landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What is the typical renter like in Toston, MT?
The renter base in Toston, MT is reasonable for the $1,602/mo price point. Screening well and pricing to market typically yields stable tenants.
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