59714 — Gallatin County, Montana Market Snapshot
Housing market data for zip code 59714 in Gallatin County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$555,070
Days to Sell
82
Homes Sold
129
Inventory
135
Sale-to-List
0.0%
New Listings
147
Price/SqFt
$306
Pending Sales
118
Conforming Loan Available
Most homebuyers in 59714 can comfortably use conventional financing. The median home price of $555,070 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 82 days on average, 59714 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 59714 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 59714 can comfortably use conventional financing. The median home price of $555,070 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 59714 are set at the county level.
2026 Loan Limits — Gallatin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 59714
To purchase the median home at $555,070 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,403.
Monthly Payment
$4,403
Income Required
$188,690
Principal & Interest
$3,420/mo
Down Payment (5%)
$27,754
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 59714.
Estimated Monthly Payment
$3,585
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