Real Estate Investing in Wolf Creek, Montana (59648)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59648 (Wolf Creek, 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: 72.6% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 26.2 — 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 Wolf Creek, MT (59648)?
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Market Analysis: 59648 Wolf Creek
Turning to rents, ZIP 59648 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $479K median. It rewards specialists, not generalists.
The 59648 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Wolf Creek have seen price recovery that 59648 has not matched. Lewis and Clark County data supports the view that the spread is structural rather than temporary.
Employment concentration in 59648 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategy in 59648 is an operator game, not a passive one. On the rental side, entry prices of $479K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Wolf Creek:
Property Strategy for 59648
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $416,873 | $1,690 | 2.9% | +10.3% | $208,437 |
| 3BR | $608,677 | $2,310 | 2.7% | +12.4% | $202,892 |
Market Trends
Home Value History (with trend line)
📊 How Does 59648 Compare?
| Metric | 59648 | Wolf Creek | Helena, MT | Montana |
|---|---|---|---|---|
| Home Value | $478,583 | $478,583 | N/A | $457,278 |
| 5-Year CAGR | 6.5% | 6.5% | N/A | 9.2% |
| Avg Rent | $1,521 | $1,521 | N/A | - |
| 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 59648 (Wolf Creek, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $478,583 |
| Monthly Rent | $1,521 |
| Price-to-Rent | 26.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.8% |
| Cap Rate | 2.5% |
| 5-Year IRR | 9.0% |
📈 Home Appreciation
| 1-Year | +8.3% ▲ |
| 3-Year CAGR | +6.9% ▲ |
| 5-Year CAGR | +6.5% ▲ |
| 10-Year CAGR | +8.4% ▲ |
🏠 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 59648
Population: 468
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 59648
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
Is housing expensive in Wolf Creek, MT?
Typical homes in Wolf Creek, MT go for around $479K. The 5-year CAGR of 0.0% even-keeled price movement.
How landlord-friendly is Wolf Creek, MT?
MT law landlord-friendly for landlords, and Wolf Creek inherits those rules. Investors should still review local ordinances for rental licensing.
How strong is Wolf Creek, MT for real estate investors?
Investors tracking Wolf Creek, MT will find a 3.0/5 rating supported by $479K median home values and $1,521/mo rents. That profile suits long-term holders targeting reliable returns.
Is Wolf Creek, MT a good market for FHA house hackers?
The house hack math a challenging in Wolf Creek, MT. Owner-occupant buyers benefit from the $1,521/mo rents and $479K home values.
Are tenants stable in Wolf Creek, MT?
Expect a solid tenant pool in Wolf Creek, MT. The rental market absorbs $1,521/mo rents without meaningful friction.
You know 59648 now. You don’t know where it ranks.
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How 59648 ranks in Helena, MT
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