Real Estate Investing in Wisdom, Montana (59761)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59761 (Wisdom, 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: 39.8% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 37.3 — 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 Wisdom, MT (59761)?
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Market Analysis: 59761 Wisdom
Investors eyeing 59761 need to respect the fundamentals at play. Home values of $435K come alongside slower price movement and elevated management overhead.
Distressed markets are won on execution, not on spreadsheets. ZIP 59761 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Statewide comparisons place 59761 among MT's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Who lives in 59761 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 59761 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Wisdom:
Market Trends
Home Value History (with trend line)
📊 How Does 59761 Compare?
| Metric | 59761 | Wisdom | Montana |
|---|---|---|---|
| Home Value | $434,958 | $434,958 | $457,278 |
| 5-Year CAGR | 8.7% | 8.7% | 9.2% |
| Avg Rent | $972 | $972 | - |
| Cap Rate | 1.7% | 1.7% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59761 (Wisdom, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $434,958 |
| Monthly Rent | $972 |
| Price-to-Rent | 37.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.7% |
| Cap Rate | 1.7% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +10.6% ▲ |
| 3-Year CAGR | +8.8% ▲ |
| 5-Year CAGR | +8.7% ▲ |
| 10-Year CAGR | +9.2% ▲ |
🏠 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 (1.7%). 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 59761
Population: 303
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 59761
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 is the investability score for Wisdom, MT?
With a 3.0/5 investability score, Wisdom, MT ranks as a solid market for rental property investors. Median prices of $435K and rents of $972/mo drive the underlying numbers.
What monthly rent should investors expect in Wisdom, MT?
Wisdom, MT rentals go for roughly $972/mo a month. That puts gross yield in solid territory relative to $435K acquisition costs.
What is the rental occupancy rate in Wisdom, MT?
Expect elevated vacancy in Wisdom, MT. Rents at $972/mo are absorbed by the tenant base without meaningful lag.
Which real estate strategy fits Wisdom, MT?
For Wisdom, MT, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How viable is house hacking in Wisdom, MT?
Wisdom, MT is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $435K price point reasonable to enter.
You know 59761 now. You don’t know where it ranks.
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