Real Estate Investing in Townsend, Montana (59644)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59644 (Townsend, MT)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Townsend, MT (59644)?
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Market Analysis: 59644 Townsend
ZIP 59644 in Townsend, MT carries a healthy set of headwinds. Home values near $454K and rents of $1,602/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 59644 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in Townsend have seen price recovery that 59644 has not matched. Broadwater County data supports the view that the spread is structural rather than temporary.
The demographic picture in 59644 includes headwinds that any investor should price in. Income distribution skews lower than Townsend averages, and tenant stability requires active management.
The right play in 59644 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Townsend:
Property Strategy for 59644
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $321,014 | $1,620 | 3.6% | — | $321,014 |
| 2BR | $352,211 | $1,780 | 3.6% | +11.9% | $176,106 |
| 3BR | $470,137 | $2,130 | 3.3% | +10.8% | $156,712 |
| 4BR | $522,638 | $2,910 | 4.0% | +10.8% | $130,659 |
Market Trends
Home Value History (with trend line)
📊 How Does 59644 Compare?
| Metric | 59644 | Townsend | Montana |
|---|---|---|---|
| Home Value | $454,430 | $454,430 | $457,278 |
| 5-Year CAGR | 6.1% | 6.1% | 9.2% |
| Avg Rent | $1,602 | $1,602 | - |
| Cap Rate | 2.8% | 2.8% | - |
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 59644 (Townsend, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $454,430 |
| Monthly Rent | $1,602 |
| Price-to-Rent | 23.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.8% |
| 5-Year IRR | 8.9% |
📈 Home Appreciation
| 1-Year | +1.6% ▲ |
| 3-Year CAGR | +3.7% ▲ |
| 5-Year CAGR | +6.1% ▲ |
| 10-Year CAGR | +9.3% ▲ |
🏠 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 (2.8%). 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 59644
Population: 4,337
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 59644
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 do rentals go for in Townsend, MT?
Townsend, MT rentals go for roughly $1,602/mo a month. That puts gross yield in solid territory relative to $454K acquisition costs.
Do landlords face vacancy issues in Townsend, MT?
Townsend, MT vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
How does Townsend, MT stack up for property investment?
The 3.0/5 investability rating in Townsend, MT reflects its $454K prices and $1,602/mo rents. Investors generally consider it a solid option within MT.
Is Townsend, MT good for house hacking?
Townsend, MT is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $454K price point reasonable to enter.
How do experienced investors play Townsend, MT?
For Townsend, MT, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
You know 59644 now. You don’t know where it ranks.
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