Real Estate Investing in Philipsburg, Montana (59858)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59858 (Philipsburg, MT)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 36.5% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 31.8 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Philipsburg, MT (59858)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 59858 Philipsburg
ZIP 59858 inside Granite County looks affordable on the surface — median value of $432K — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 59858 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In the broader MT picture, 59858 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Employment concentration in 59858 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
New investors are better served looking at Philipsburg's stable or hybrid ZIPs before stepping into 59858. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Philipsburg:
Property Strategy for 59858
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $296,330 | $980 | 2.4% | +10.1% | $296,330 |
| 2BR | $379,843 | $1,260 | 2.4% | +11.1% | $189,921 |
| 3BR | $530,572 | $1,750 | 2.4% | +11.3% | $176,857 |
Market Trends
Home Value History (with trend line)
📊 How Does 59858 Compare?
| Metric | 59858 | Philipsburg | Montana |
|---|---|---|---|
| Home Value | $432,314 | $432,314 | $457,278 |
| 5-Year CAGR | 5.9% | 5.9% | 9.2% |
| Avg Rent | $1,134 | $1,134 | - |
| Cap Rate | 2.1% | 2.1% | - |
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 59858 (Philipsburg, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $432,314 |
| Monthly Rent | $1,134 |
| Price-to-Rent | 31.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.2% |
| Cap Rate | 2.1% |
| 5-Year IRR | 7.9% |
📈 Home Appreciation
| 1-Year | +6.3% ▲ |
| 3-Year CAGR | +2.9% ▲ |
| 5-Year CAGR | +5.9% ▲ |
| 10-Year CAGR | +10.0% ▲ |
🏠 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 (2.1%). 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 59858
Population: 1,737
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 59858
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 Philipsburg, MT landlord-friendly?
Philipsburg, MT falls under MT landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What is the tenant pool like in Philipsburg, MT?
Tenant demand in Philipsburg, MT is solid. The local workforce $1,134/mo rents across most rental classes.
How do experienced investors play Philipsburg, MT?
Investors usually favor careful cash-flow rentals with hands-on management in Philipsburg, MT. With home values at $432K and rents near $1,134/mo, other strategies can work but produce predictable rather than outsized returns.
Does a duplex house hack pencil in Philipsburg, MT?
The house hack math a challenging in Philipsburg, MT. Owner-occupant buyers benefit from the $1,134/mo rents and $432K home values.
How much rent can I charge in Philipsburg, MT?
Rent in Philipsburg, MT is around $1,134/mo. The resulting rent-to-value relationship with $432K pricing is reasonable for most investor models.
You know 59858 now. You don’t know where it ranks.
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