ZIP Code 59401 — Great Falls, MT Home Prices (2026)
The typical home in ZIP 59401 (Great Falls, Montana) is worth about $291,000 at roughly $164 per square foot — 12% more affordable than the Great Falls median and 1% more affordable than the typical U.S. home.
How 59401 compares
ZIP 59401 is one of the more affordable ZIP codes in Great Falls: its typical home value of $291,000 ranks #3 of the 3 Great Falls ZIP codes we track (the citywide range runs from $291,000 in 59401 to $395,000 in 59404). Per square foot it costs about $164, against $206 for Great Falls as a whole, $272 for Montana, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 59401 | $291,000 | $164 |
| Great Falls, MT | $330,000 | $206 |
| Montana | $422,000 | $272 |
| United States | $294,000 | $195 |
Home value by size in 59401
Using this ZIP’s rate of about $164 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 | $164,000 |
| 1,500 sq ft | $246,000 |
| 2,000 sq ft | $328,000 |
| 2,500 sq ft | $410,000 |
| 3,000 sq ft | $492,000 |
Salary needed to buy a home in ZIP 59401
To buy the typical $291,000 home in ZIP 59401 with 20% down, you need a household income of roughly $79,000 a year (about $1,850 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $94,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,600 | $2,300/mo | $98,000/yr |
| 10% (+PMI) | $29,100 | $2,190/mo | $94,000/yr |
| 20% | $58,200 | $1,850/mo | $79,000/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 59401
At about $164 per square foot, here is roughly how much home different budgets get you in ZIP 59401:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 910 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1220 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1520 sq ft | around the typical home here |
| $300k | 1830 sq ft | around the typical home here |
| $400k | 2440 sq ft | above the median — larger homes or the pricier ZIPs |
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 59401 home.
Estimate a specific home in 59401
The estimator below is pre-set to ZIP 59401 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Great Falls ZIP codes by home value
Where 59401 sits among Great Falls’s 3 ZIP codes:
ZIP 59401 home prices: frequently asked
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See the full Great Falls 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.