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Market MapMontanaSilver Bow

Silver Bow County

MontanaPopulation: 35,306
58
/100
Hold
#573 of 1,000 counties
#26 in Montana (56 counties)

Market Snapshot

$275,154
Median Home Price
1% above national median
$1,267/mo
Median Rent
15% below national median
5.53%
Rent-to-Price Ratio
Top 61% nationally
-$618
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$275,154
Down Payment (20%)$55,031
Loan Amount$220,123
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,267
Monthly P&I-$1,442
Est. Expenses (35%)-$443
Net Cash Flow-$618/mo
3.6%
Cap Rate (all cash)
-11.7%
Cash-on-Cash Return
5.53%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
58/100
58
Cash Flow(30%)
53/100

Based on 5.53% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
75/100

Based on 2.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
57/100

Price-to-income ratio of 4.9x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$618/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Economic Indicators

Population
35,306
Median Income
$56,297
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.9x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
ChouteauMT
59$285,884Est. pending—HoldView
DawsonMT
59$185,301Est. pending—HoldView
CurrentSilver BowMT
58$275,154$1,2675.53%Hold
Big HornMT
58$204,287Est. pending—HoldView
RichlandMT
57$266,438Est. pending—HoldView
CascadeMT
57$331,268$1,3354.83%HoldView

The Bottom Line

HoldSilver Bow is a neutral market. Consider house hacking or targeting below-market deals.

Silver Bow County in Montana scores 58/100, ranking #573 of 1,000 US counties (top 57%). The 5.53% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-618/mo
Cap Rate
3.6%
Cash-on-Cash
-11.7%

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