59803 — Missoula County, Montana Market Snapshot
Housing market data for zip code 59803 in Missoula County, Montana. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$624,000
Days to Sell
69
Homes Sold
71
Inventory
82
Sale-to-List
0.0%
New Listings
90
Price/SqFt
$301
Pending Sales
82
Conforming Loan Available
Most homebuyers in 59803 can comfortably use conventional financing. The median home price of $624,000 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 69 days on average, 59803 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 59803 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 59803 can comfortably use conventional financing. The median home price of $624,000 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 59803 are set at the county level.
2026 Loan Limits — Missoula County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $598,000 |
| 2 Units | $1,066,250 | $765,550 |
| 3 Units | $1,288,800 | $925,350 |
| 4 Units | $1,601,750 | $1,150,000 |
Affordability Snapshot — Zip 59803
To purchase the median home at $624,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,931.
Monthly Payment
$4,931
Income Required
$211,324
Principal & Interest
$3,845/mo
Down Payment (5%)
$31,200
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 59803.
Estimated Monthly Payment
$4,012
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