HousingHandbookReference data

U.S. ZIP Code · MT59865

Lake County

Typical home value

$533,306[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-0.4%
5-year / yr
+7.1%
10-year / yr
+8.3%

Relative price

vs U.S.
+87.7%
vs metro
vs state
+27.1%
ZIP 59865 location in MT
Location of ZIP 59865 in MT

Price history

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

The typical home in 59865 is worth $533,306. Over the past year, values have fallen 0.4%. The effective property tax rate is 0.6%.

#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
0.6%[3]
Typical annual tax
$3,289[3]

#Climate risk

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

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

#Who lives here

Population
3,635[3]
Median household income
$56,473[3]

#Migration

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

Net migration
+184[5]
Moved in
915
Moved out
731

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
1
Middle
1
High
1
  • St Ignatius Elementary School

    Elementary · Grades PK–5 · St Ignatius K-12 Schools

    217 students

  • St Ignatius High School

    High · Grades 9–12 · St Ignatius K-12 Schools

    135 students

  • St Ignatius Middle School

    Middle · Grades 6–8 · St Ignatius K-12 Schools

    110 students

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$2,697
Loan principal$426,644
Down payment$106,661
Total interest paid$544,161

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$3,417
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
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 59865?
The typical home in 59865 is worth $533,306, based on the Zillow Home Value Index.
Are home values rising in 59865?
Home values in 59865 are down 0.4% over the past year, and up 7.1% a year over five years.
What is the property tax rate in 59865?
The effective property tax rate in 59865 is 0.6% — roughly $3,289 a year on a typical home.
Who lives in 59865?
ZIP code 59865 has a population of 3,635 and a median household income of $56,473.

Compare ZIPs

Pit ZIP 59865 against any other ZIP — full side-by-side table.

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