Real Estate Investing in Seeley Lake, Montana (59868)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Missoula County • Population: 1,659 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 59868 (Seeley Lake, MT)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (36/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 42.7% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 32.7 — 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 Seeley Lake, MT (59868)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $585,276
Avg Monthly Rent $1,494
1% Rule ✗ Does Not Meet
Median Income $44,881
% Renters 10.6%

Market Analysis: 59868 Seeley Lake

In practical terms, ZIP 59868 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $585K median. It rewards specialists, not generalists.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $585K asset, 59868 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 59868 sits on the difficult end of the MT spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

A healthy renter share of 11% in 59868 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The right play in 59868 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Seeley Lake:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 13× the median income
Value Trend
Rising (+5.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,494/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Missoula, MT Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Missoula, MT metro data
🏠

Property Strategy for 59868

Which property type performs best in this market?

Best for Cash Flow
1BR
2.9% cap rate
Best for Appreciation
4BR
+11.4% 5yr CAGR
Best Overall Value
4BR
$212,949/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $353,177 $1,400 2.9% +8.3% $353,177
2BR $499,105 $1,660 2.4% +9.9% $249,553
3BR $640,793 $2,310 2.6% +10.0% $213,598
4BR $851,794 $2,780 2.3% +11.4% $212,949

Market Trends

Home Value History (with trend line)

$620K$529K$438K$347K$256K$164KJul 2006Jul 2016Jul 2026

📊 How Does 59868 Compare?

Metric 59868 Seeley Lake Missoula, MT Montana
Home Value $585,276 $585,276 N/A $457,278
5-Year CAGR 5.6% 5.6% N/A 9.2%
Avg Rent $1,494 $1,494 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 59868? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 59868 (Seeley Lake, MT). Anonymous, moderated, never written by AI.

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Property managers serving Missoula County

Manage rentals here? List your business →

Highland Property Management, a subsidiary of Summit Management Group, Inc., focuses on the development, management, and construction of market-rate, workforce, rent-to-own, and low-income multi-famil summary from their website

Small multifamily
Unclaimed — is this your business? Claim it free

Plum Property Management proudly serves renters and owners in Western Montana, offering management services for commercial, residential, vacation, and storage properties. summary from their website

CommercialSingle-familySmall multifamilyShort-term rentals
Unclaimed — is this your business? Claim it free

Real Property Management Sapphire provides property management services in the Bitterroot Valley, MT. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+5.6%
Moderate

📉 Market Crash Risk Index

Based on Missoula, MT metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $585,276
Monthly Rent $1,494
Price-to-Rent 32.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR 7.6%

📈 Home Appreciation

1-Year +5.2% ▲
3-Year CAGR +4.0% ▲
5-Year CAGR +5.6% ▲
10-Year CAGR +8.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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.

Vacancy
42.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 59868

Population: 1,659

💰 Median Household Income
$44,881
This area
$44,881
State
$64,023
USA
$74,580
🏠 Renter Occupied
10.6%
This area
10.6%
State
24.3%
USA
34.0%
💼 Unemployment Rate
2.5%
This area
2.5%
State
-0.5%
USA
3.7%
🎓 College Educated
26.5%
This area
26.5%
State
20.1%
USA
33.7%
👤 Median Age
59.8 years
This area
59.8 years
State
38.3 years
USA
38.9 years
🏚️ Vacancy Rate
42.7%
This area
42.7%
State
26.6%
USA
10.5%
👥 Population by Ethnicity
White 89.6%
Other/Mixed 5.3%
Asian 5.1%
Hispanic/Latino 1.5%
👶 Under 18
10.4%
This area
10.4%
USA
22.0%
👴 65 and Over
40.5%
This area
40.5%
USA
17.3%
📊 Poverty Rate
0.9%
This area
0.9%
USA
11.5%

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 59868

B Avg School Grade
3 Schools
11.8:1 Avg Class Size
$14,055 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Seeley-Swan High School

📚 09 – 12 High School
👥
101 Students
👨‍🏫
9.1:1 Class Size
💰
$14,663 Per Student
B Good

Seeley Lake Elementary

📚 Pre-K – 06 School
👥
139 Students
👨‍🏫
12.8:1 Class Size
💰
$13,751 Per Student
C+ Average

Seeley Lake 7-8

📚 07 – 08 Middle
👥
35 Students
👨‍🏫
13.5:1 Class Size
💰
$13,751 Per Student
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

How much is rent in Seeley Lake, MT?

Rent in Seeley Lake, MT is around $1,494/mo. The resulting rent-to-value relationship with $585K pricing is reasonable for most investor models.

How strong is the working-renter base in Seeley Lake, MT?

The tenant pool in Seeley Lake, MT is solid, supported by local employment and population fundamentals. Rents of $1,494/mo are well-absorbed by the market.

Is real estate in Seeley Lake, MT a good investment right now?

With a 3.0/5 investability score, Seeley Lake, MT ranks as a solid market for rental property investors. Median prices of $585K and rents of $1,494/mo drive the underlying numbers.

Are there empty rentals in Seeley Lake, MT?

Occupancy in Seeley Lake, MT runs measured with elevated vacancy. Well-priced units at $1,494/mo lease on reasonable timelines.

Which investment style suits Seeley Lake, MT?

The best-fit strategy in Seeley Lake, MT is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 59868 now. You don’t know where it ranks.

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How 59868 ranks in Missoula, MT

Every ZIP in this metro, ranked. Free.

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