59802 — Missoula County, Montana Market Snapshot
Housing market data for zip code 59802 in Missoula County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$552,450
Days to Sell
49
Homes Sold
36
Inventory
117
Sale-to-List
0.0%
New Listings
89
Price/SqFt
$362
Pending Sales
65
Conforming Loan Available
Most homebuyers in 59802 can comfortably use conventional financing. The median home price of $552,450 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
59802'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 59802 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 59802 can comfortably use conventional financing. The median home price of $552,450 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 59802 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 59802
To purchase the median home at $552,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,383.
Monthly Payment
$4,383
Income Required
$187,830
Principal & Interest
$3,404/mo
Down Payment (5%)
$27,623
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 59802.
Estimated Monthly Payment
$3,569
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