Real Estate Investing in Whitefish, Montana (59927)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 59927 (Whitefish, 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: 20.8% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 30.2 — 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 Whitefish, MT (59927)?
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Market Analysis: 59927 Whitefish
The 59927 ZIP covers a section of Whitefish that demands careful diligence. Prices near $557K look accessible, but the work to make a deal cash flow is real.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $557K asset, 59927 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Whitefish have seen price recovery that 59927 has not matched. Flathead County data supports the view that the spread is structural rather than temporary.
Resident income in 59927 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Whitefish's stable or hybrid ZIPs before stepping into 59927. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Whitefish:
Market Trends
Home Value History (with trend line)
📊 How Does 59927 Compare?
| Metric | 59927 | Whitefish | Kalispell, MT | Montana |
|---|---|---|---|---|
| Home Value | $556,917 | $719,095 | N/A | $457,278 |
| 5-Year CAGR | 4.2% | 5.0% | N/A | 9.2% |
| Avg Rent | $1,539 | $2,190 | N/A | - |
| Cap Rate | 2.2% | 2.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 59927 (Whitefish, MT). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $556,917 |
| Monthly Rent | $1,539 |
| Price-to-Rent | 30.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.2% |
| 5-Year IRR | 6.4% |
📈 Home Appreciation
| 1-Year | +2.2% ▲ |
| 3-Year CAGR | +2.0% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +8.6% ▲ |
🏠 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 (2.2%). 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 59927
Population: 295
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
Frequently Asked Questions
Where do home prices stand in Whitefish, MT?
Typical homes in Whitefish, MT go for around $557K. The 5-year CAGR of 0.0% consistent price movement.
Is the tenant base reliable in Whitefish, MT?
Tenant quality in Whitefish, MT ranks as solid. Landlords generally report measured occupancy at market rents of $1,539/mo.
What is the average monthly rent in Whitefish, MT?
The typical rental in Whitefish, MT commands about $1,539/mo monthly. That rent profile predictable cash flow against the $557K purchase basis.
How tight is the rental market in Whitefish, MT?
Vacancy in Whitefish, MT is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,539/mo.
Which real estate strategy fits Whitefish, MT?
Whitefish, MT investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($557K prices, $1,539/mo rents) make it a reasonable choice.
You know 59927 now. You don’t know where it ranks.
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How 59927 ranks in Kalispell, MT
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