59634 — Jefferson County, Montana Market Snapshot
Housing market data for zip code 59634 in Jefferson County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$799,900
Days to Sell
126
Homes Sold
12
Inventory
40
Sale-to-List
0.0%
New Listings
32
Price/SqFt
$242
Pending Sales
23
Conforming Loan Available
The median home in 59634 at $799,900 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 126 days on average, 59634 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 59634 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 59634 at $799,900 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 59634 are set at the county level.
2026 Loan Limits — Jefferson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 59634
To purchase the median home at $799,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,279.
Monthly Payment
$6,279
Income Required
$269,082
Principal & Interest
$4,929/mo
Down Payment (5%)
$39,995
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 59634.
Estimated Monthly Payment
$5,100
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