59752 — Gallatin County, Montana Market Snapshot
Housing market data for zip code 59752 in Gallatin County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$639,000
Days to Sell
116
Homes Sold
18
Inventory
60
Sale-to-List
0.0%
New Listings
39
Price/SqFt
$342
Pending Sales
26
Conforming Loan Available
Most homebuyers in 59752 can comfortably use conventional financing. The median home price of $639,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 116 days on average, 59752 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 59752 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 59752 can comfortably use conventional financing. The median home price of $639,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 59752 are set at the county level.
2026 Loan Limits — Gallatin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 59752
To purchase the median home at $639,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,046.
Monthly Payment
$5,046
Income Required
$216,249
Principal & Interest
$3,937/mo
Down Payment (5%)
$31,950
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 59752.
Estimated Monthly Payment
$4,105
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