Real Estate Investing in Big Arm, Montana (59914)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59914 (Big Arm, 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: 47.1% of homes vacant — above national norms.
- Elevated poverty: 20.7% poverty rate — can affect rent collection.
- High price-to-rent: Price-to-rent ratio 42.6 — 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 Big Arm, MT (59914)?
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Market Analysis: 59914 Big Arm
Stepping back, ZIP 59914 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $875K median. It rewards specialists, not generalists.
The investment case in 59914 is impressive only for operators who understand what they are buying. A $875K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in Big Arm have seen price recovery that 59914 has not matched. Lake County data supports the view that the spread is structural rather than temporary.
On balance, 379 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.
appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Big Arm:
Market Trends
Home Value History (with trend line)
📊 How Does 59914 Compare?
| Metric | 59914 | Big Arm | Montana |
|---|---|---|---|
| Home Value | $874,933 | $896,189 | $457,278 |
| 5-Year CAGR | 7.8% | 6.8% | 9.2% |
| Avg Rent | $1,710 | $1,548 | - |
| Cap Rate | 1.5% | 1.4% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59914 (Big Arm, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $874,933 |
| Monthly Rent | $1,710 |
| Price-to-Rent | 42.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.4% |
| Cap Rate | 1.5% |
| 5-Year IRR | 9.3% |
📈 Home Appreciation
| 1-Year | +6.2% ▲ |
| 3-Year CAGR | +4.7% ▲ |
| 5-Year CAGR | +7.8% ▲ |
| 10-Year CAGR | +9.0% ▲ |
🏠 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 (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 59914
Population: 379
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 59914
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
How tight is the rental market in Big Arm, MT?
Big Arm, MT carries elevated vacancy risk. Expect consistent absorption at market rents of $1,710/mo.
How much rent can I charge in Big Arm, MT?
Big Arm, MT rentals go for roughly $1,710/mo a month. That puts gross yield in solid territory relative to $875K acquisition costs.
What is the smart move for investors in Big Arm, MT?
Most investors in Big Arm, MT run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
How landlord-friendly is Big Arm, MT?
The landlord environment in Big Arm, MT is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
How strong is Big Arm, MT for real estate investors?
Big Arm, MT scores 3.0/5 for investability. Home values sit at $875K and rents near $1,710/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
You know 59914 now. You don’t know where it ranks.
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