HousingHandbookReference data

U.S. ZIP Code · MT59638

Jefferson County · Helena, MT

Typical home value

$572,140[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.7%
5-year / yr
+8.8%
10-year / yr
+9.2%

Relative price

vs U.S.
+101.4%
vs metro
+26.2%
vs state
+36.4%
ZIP 59638 location in MT
Location of ZIP 59638 in MT

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 59638 is worth $572,140 — 26.2% above the Helena, MT median. Over the past year, values have risen 2.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
[3]
Typical annual tax
[3]

#Climate risk

FEMA National Risk Index ratings for Jefferson County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Very Low[4]
Riverine flood
Very Low
Coastal flood
Not Applicable
Wildfire
Relatively Moderate
Drought
Very Low
Heat wave
Very Low
Hurricane
Not Applicable
Tornado
Very Low
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
769[3]
Median household income
$126,723[3]

#Migration

Household moves in and out of Jefferson County over a year, from IRS tax-return data.

Net migration
+82[5]
Moved in
496
Moved out
414

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,893
Loan principal$457,712
Down payment$114,428
Total interest paid$583,787

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$3,942
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
79th percentile[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 59638?
The typical home in 59638 is worth $572,140, based on the Zillow Home Value Index.
Are home values rising in 59638?
Home values in 59638 are up 2.7% over the past year, and up 8.8% a year over five years.
Who lives in 59638?
ZIP code 59638 has a population of 769 and a median household income of $126,723.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Cardwell CDP, MT

    Typical home
    $567,752
    Gross yield
  • Helena Valley Northeast CDP, MT

    Typical home
    $529,557
    Gross yield
    4.5%
  • Canyon Creek CDP, MT

    Typical home
    $504,459
    Gross yield
  • Clancy CDP, MT

    Typical home
    $646,423
    Gross yield
  • Toston CDP, MT

    Typical home
    $474,936
    Gross yield
  • Milford Colony CDP, MT

    Typical home
    $465,404
    Gross yield

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