59602 — Lewis and Clark County, Montana Market Snapshot
Housing market data for zip code 59602 in Lewis and Clark County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$592,450
Days to Sell
60
Homes Sold
84
Inventory
114
Sale-to-List
0.0%
New Listings
134
Price/SqFt
$270
Pending Sales
121
Conforming Loan Available
Most homebuyers in 59602 can comfortably use conventional financing. The median home price of $592,450 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 60 days on average, 59602 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 59602 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 59602 can comfortably use conventional financing. The median home price of $592,450 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 59602 are set at the county level.
2026 Loan Limits — Lewis and Clark County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 59602
To purchase the median home at $592,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,689.
Monthly Payment
$4,689
Income Required
$200,964
Principal & Interest
$3,650/mo
Down Payment (5%)
$29,623
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 59602.
Estimated Monthly Payment
$3,817
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