59922 — Lake County, Montana Market Snapshot
Housing market data for zip code 59922 in Lake County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,200,000
Days to Sell
281
Homes Sold
11
Inventory
41
Sale-to-List
0.0%
New Listings
24
Price/SqFt
$490
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 59922 at $1,200,000 exceeds the 2026 conforming loan limit of $832,750 by $367,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 281 days on average, 59922 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 59922 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 59922 at $1,200,000 exceeds the 2026 conforming loan limit of $832,750 by $367,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 59922 are set at the county level.
2026 Loan Limits — Lake 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 59922
To purchase the median home at $1,200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,344.
Monthly Payment
$9,344
Income Required
$400,458
Principal & Interest
$7,394/mo
Down Payment (5%)
$60,000
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 59922.
Estimated Monthly Payment
$7,577
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 59922.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 59922. Tell us what you're looking for.