59019 — Stillwater County, Montana Market Snapshot
Housing market data for zip code 59019 in Stillwater County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$499,900
Days to Sell
86
Homes Sold
13
Inventory
14
Sale-to-List
0.0%
New Listings
15
Price/SqFt
$180
Pending Sales
16
Conforming Loan Available
Most homebuyers in 59019 can comfortably use conventional financing. The median home price of $499,900 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 86 days on average, 59019 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 59019 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 59019 can comfortably use conventional financing. The median home price of $499,900 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 59019 are set at the county level.
2026 Loan Limits — Stillwater County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $754,400 |
| 2 Units | $1,066,250 | $965,750 |
| 3 Units | $1,288,800 | $1,167,400 |
| 4 Units | $1,601,750 | $1,450,800 |
Affordability Snapshot — Zip 59019
To purchase the median home at $499,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,980.
Monthly Payment
$3,980
Income Required
$170,574
Principal & Interest
$3,080/mo
Down Payment (5%)
$24,995
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 59019.
Estimated Monthly Payment
$3,244
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