Montana

Sanders County

ZIP 59845

12,936 residents$54,035 median HHI9 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$323,800

ACS 5-Year

Cap rate proxy

2.9%

FMR × 0.65 ÷ Home Value

Rent-to-income

17.2%

HUD FMR ÷ ACS HHI

Net migration

+0.82%

IRS SOI

Permits (TTM)

Census BPS

Climate risk

47.4

FEMA NRI (0–100)

ZIP 59845

Median home value

$249,211

Gross yield

5.4%

Cap rate

3.7%

Rent gap

30.6%

Affordability

P/I: 4.6R/I:

Section 8 detail

SAFMR: $1,115Rent: $774Gap: 44.1%
ZIP code breakdown9 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
59831$323,800county est.$1,1154.1%2.9%30.6%
59844$323,800county est.$1,1154.1%2.9%30.6%
59845$249,211$1,1155.4%3.7%30.6%
59848$323,800county est.$1,1154.1%2.9%30.6%
59853$323,800county est.$1,1154.1%2.9%30.6%

Ranked by composite score

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Demographics

Owner-occupied

80.0%

Census ACS

Vacancy rate

19.7%

Census ACS

Bachelor's degree +

21.6%

Census ACS

Rent burdened

53.4%

Census ACS (>30% income)

Median age

54.6

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