Montana

Lake County

ZIP 59855

32,073 residents27 permits TTM$61,965 median HHI12 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$369,200

ACS 5-Year

Cap rate proxy

2.9%

FMR × 0.65 ÷ Home Value

Rent-to-income

17.1%

HUD FMR ÷ ACS HHI

Net migration

+0.98%

IRS SOI

Permits (TTM)

27

Census BPS

Climate risk

67.7

FEMA NRI (0–100)

ZIP 59855

Median home value

$369,200

Gross yield

4.7%

Cap rate

2.9%

Rent gap

38.8%

Affordability

P/I: 4.5R/I:

Section 8 detail

SAFMR: $1,444Rent: $884Gap: 63.3%
ZIP code breakdown12 ZIP codes

Numbers repeat across most ZIPs in this county

ZIP-level home-value data isn't published for rural areas. Federal sources (Census ACS, HUD non-metro FMR) are available at the county level only, so home-value, cap-rate, and rent-gap numbers use the county estimate for every ZIP in the county.

ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
59824$520,350$1,4443.3%2.0%38.8%
59855$369,200county est.$1,4444.7%2.9%38.8%
59860$543,745$1,4443.2%2.0%38.8%
59863$369,200county est.$1,4444.7%2.9%38.8%
59864$423,999$1,4444.1%2.5%38.8%

Ranked by composite score

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Demographics

Owner-occupied

73.8%

Census ACS

Vacancy rate

26.0%

Census ACS

Bachelor's degree +

30.5%

Census ACS

Rent burdened

35.8%

Census ACS (>30% income)

Median age

43.8

Census ACS

Data sources
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026