ZIP Code 59804 — Missoula, MT Home Prices (2026)
The typical home in ZIP 59804 (Missoula, Montana) is worth about $677,000 at roughly $391 per square foot — 18% more expensive than the Missoula median and 130% more expensive than the typical U.S. home.
How 59804 compares
ZIP 59804 is one of the pricier ZIP codes in Missoula: its typical home value of $677,000 ranks #1 of the 5 Missoula ZIP codes we track (the citywide range runs from $510,000 in 59801 to $677,000 in 59804). Per square foot it costs about $391, against $358 for Missoula as a whole, $272 for Montana, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 59804 | $677,000 | $391 |
| Missoula, MT | $576,000 | $358 |
| Montana | $422,000 | $272 |
| United States | $294,000 | $195 |
Home value by size in 59804
Using this ZIP’s rate of about $391 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 | $391,000 |
| 1,500 sq ft | $586,500 |
| 2,000 sq ft | $782,000 |
| 2,500 sq ft | $977,500 |
| 3,000 sq ft | $1,173,000 |
Salary needed to buy a home in ZIP 59804
To buy the typical $677,000 home in ZIP 59804 with 20% down, you need a household income of roughly $184,000 a year (about $4,300 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $219,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $33,900 | $5,340/mo | $229,000/yr |
| 10% (+PMI) | $67,700 | $5,110/mo | $219,000/yr |
| 20% | $135,400 | $4,300/mo | $184,000/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 59804
At about $391 per square foot, here is roughly how much home different budgets get you in ZIP 59804:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1280 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1530 sq ft | around the typical home here |
| $750k | 1920 sq ft | around the typical home here |
| $1.00M | 2560 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 59804 home.
Estimate a specific home in 59804
The estimator below is pre-set to ZIP 59804 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Missoula ZIP codes by home value
Where 59804 sits among Missoula’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 59804 (this page) | $677,000 | $391 |
| 2 | 59803 | $643,000 | $286 |
| 3 | 59808 | $576,000 | $358 |
| 4 | 59802 | $566,000 | $382 |
| 5 | 59801 | $510,000 | $353 |
ZIP 59804 home prices: frequently asked
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See the full Missoula 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.