59718 — Gallatin County, Montana Market Snapshot
Housing market data for zip code 59718 in Gallatin County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$765,000
Days to Sell
70
Homes Sold
115
Inventory
176
Sale-to-List
0.0%
New Listings
182
Price/SqFt
$382
Pending Sales
135
Conforming Loan Available
The median home in 59718 at $765,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 70 days on average, 59718 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 59718 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 59718 at $765,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 59718 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 59718
To purchase the median home at $765,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,011.
Monthly Payment
$6,011
Income Required
$257,622
Principal & Interest
$4,714/mo
Down Payment (5%)
$38,250
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 59718.
Estimated Monthly Payment
$4,884
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