Real Estate Investing in Wise River, Montana (59762)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59762 (Wise River, 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: 52.4% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 43.9 — 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 Wise River, MT (59762)?
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Market Analysis: 59762 Wise River
Stepping back, ZIP 59762 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $587K median. It rewards specialists, not generalists.
Rent of $1,116/mo on a $587K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 59762 sits below the stated 0.0% once reality is priced in.
Nearby ZIPs in Wise River have seen price recovery that 59762 has not matched. Deer Lodge County data supports the view that the spread is structural rather than temporary.
From a cash-flow lens, 223 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.
The right play in 59762 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 Wise River:
Market Trends
Home Value History (with trend line)
📊 How Does 59762 Compare?
| Metric | 59762 | Wise River | Montana |
|---|---|---|---|
| Home Value | $587,352 | $587,352 | $457,278 |
| 5-Year CAGR | 8.4% | 8.4% | 9.2% |
| Avg Rent | $1,116 | $1,116 | - |
| Cap Rate | 1.5% | 1.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59762 (Wise River, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $587,352 |
| Monthly Rent | $1,116 |
| Price-to-Rent | 43.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.3% |
| Cap Rate | 1.5% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | +3.5% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +8.4% ▲ |
| 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 (1.5%). 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 59762
Population: 223
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 59762
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
Are homes affordable in Wise River, MT?
Median home price in Wise River, MT is near $587K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.
Should investors consider Wise River, MT?
Wise River, MT scores 3.0/5 for investability. Home values sit at $587K and rents near $1,116/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What is the tenant pool like in Wise River, MT?
The renter base in Wise River, MT is reasonable for the $1,116/mo price point. Screening well and pricing to market typically yields steady tenants.
Which real estate strategy fits Wise River, MT?
A careful cash-flow rentals with hands-on management strategy Wise River, MT best. The market produces steady results for that approach at the $587K price point.
Is Wise River, MT good for landlords?
MT law landlord-friendly for landlords, and Wise River inherits those rules. Investors should still review local ordinances for rental licensing.
You know 59762 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 59762 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
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