59801 — Missoula County, Montana Market Snapshot
Housing market data for zip code 59801 in Missoula County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
81 sales in 2026 (year to date)
Median Sale Price
$495,000
Days to Sell
49
Homes Sold
81
Inventory
84
Sale-to-List
0.0%
New Listings
101
Price/SqFt
$345
Pending Sales
96
Conforming Loan Available
Most homebuyers in 59801 can comfortably use conventional financing. The median home price of $495,000 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
59801's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 59801 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 59801 can comfortably use conventional financing. The median home price of $495,000 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 59801 are set at the county level.
2026 Loan Limits — Missoula County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $598,000 |
| 2 Units | $1,066,250 | $765,550 |
| 3 Units | $1,288,800 | $925,350 |
| 4 Units | $1,601,750 | $1,150,000 |
Affordability Snapshot — Zip 59801
To purchase the median home at $495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,966
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,750
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 59801.
Estimated Monthly Payment
$3,213
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