ZIP Code 59102 — Billings, MT Home Prices (2026)

The typical home in ZIP 59102 (Billings, Montana) is worth about $388,000 at roughly $173 per square foot — 5% more affordable than the Billings median and 32% more expensive than the typical U.S. home.

$388,000

Typical home value

$173

Price per sq ft

#3 of 4

Billings ZIPs by value

-5%

vs Billings median

How 59102 compares

ZIP 59102 is one of the more affordable ZIP codes in Billings: its typical home value of $388,000 ranks #3 of the 4 Billings ZIP codes we track (the citywide range runs from $336,000 in 59101 to $548,000 in 59106). Per square foot it costs about $173, against $215 for Billings as a whole, $272 for Montana, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 59102	$388,000	$173
Billings, MT	$406,500	$215
Montana	$422,000	$272
United States	$294,000	$195

Home value by size in 59102

Using this ZIP’s rate of about $173 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$173,000
1,500 sq ft	$259,500
2,000 sq ft	$346,000
2,500 sq ft	$432,500
3,000 sq ft	$519,000

Salary needed to buy a home in ZIP 59102

To buy the typical $388,000 home in ZIP 59102 with 20% down, you need a household income of roughly $106,000 a year (about $2,460 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $125,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$19,400	$3,060/mo	$131,000/yr
10% (+PMI)	$38,800	$2,930/mo	$125,000/yr
20%	$77,600	$2,460/mo	$106,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 59102

At about $173 per square foot, here is roughly how much home different budgets get you in ZIP 59102:

Budget	Approx. size	What that looks like locally
$200k	1160 sq ft	below the local median — condos, smaller or older homes
$250k	1450 sq ft	below the local median — condos, smaller or older homes
$300k	1730 sq ft	below the local median — condos, smaller or older homes
$400k	2310 sq ft	around the typical home here
$500k	2890 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 59102 home.

Estimate a specific home in 59102

The estimator below is pre-set to ZIP 59102 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Billings ZIP codes by home value

Where 59102 sits among Billings’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	59106	$548,000	$250
2	59105	$425,000	$205
3	59102 (this page)	$388,000	$173
4	59101	$336,000	$224

ZIP 59102 home prices: frequently asked

What is the average home price in ZIP code 59102? +

The typical home in ZIP 59102 (Billings, MT) is worth about $388,000 as of 2026. That is 5% more affordable than the Billings median of $406,500 and 32% more expensive than the U.S. median of $294,000.

What is the price per square foot in 59102? +

About $173 per square foot in 59102, versus $215 across Billings and $272 across Montana. At that rate a 1,500 sq ft home runs roughly $259,500 and a 2,500 sq ft home about $432,500.

What salary do you need to buy a house in ZIP 59102? +

For the typical $388,000 home in ZIP 59102, a household income of about $106,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $125,000; with 5% down about $131,000.

Is 59102 an expensive ZIP code? +

Within Billings, 59102 ranks #3 of 4 ZIP codes by typical home value, which makes it one of the more affordable ZIP codes in Billings. Nationally it is relatively expensive.

See the full Billings home values page, all Montana cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.