59933 — Lincoln County, Montana Market Snapshot
Housing market data for zip code 59933 in Lincoln County, Montana. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Lincoln County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$1,649,500
Days to Sell
154
Homes Sold
1
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 59933 at $1,649,500 exceeds the 2026 conforming loan limit of $832,750 by $816,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 154 days on average, 59933 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 59933 at $1,649,500 exceeds the 2026 conforming loan limit of $832,750 by $816,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 59933 are set at the county level.
2026 Loan Limits — Lincoln 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 59933
To purchase the median home at $1,649,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,788.
Monthly Payment
$12,788
Income Required
$548,055
Principal & Interest
$10,164/mo
Down Payment (5%)
$82,475
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 59933.
Estimated Monthly Payment
$10,358
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 59933.
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