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Blaine County/Havre/59501

59501

ZIPSAFMR
Blaine County, MT
Zillow

ZIP Investment Score

59Below average

095130300
BRFMR
Eff. Rent
0 BR$1,010$760
1 BR$1,080$850
2 BR$1,320$970
3 BR$1,830$1,170
4 BR$1,940$1,270
5 BR$2,231Not available
6 BR$2,566Not available
7 BR$2,950Not available
8 BR$3,393Not available

Purchase Price Calculator

Maximum purchase price
$82,225

Cost breakdown

+Likely effective rent$970
HUD FMR$1,320
Market rentUsed$970
Est. payment standard (90%)$1,190
-Principal and interest-$416
Loan amount$65,780
Down payment$16,445
Rate6.50%
Term30 years
-Operating costs-$354
Property taxes-$82
Insurance-$175
Utilities$0
HOA$0
Management-$97
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,879(96.6% ROI)
Projected value
$88,547
Return breakdown
Property appreciation+$6,322
Loan principal paid down+$2,357
Rental cash flow+$7,200
5-year hold
+$27,008(164.2% ROI)
Projected value
$93,030
Return breakdown
Property appreciation+$10,805
Loan principal paid down+$4,203
Rental cash flow+$12,000
10-year hold
+$57,044(346.9% ROI)
Projected value
$105,255
Return breakdown
Property appreciation+$23,030
Loan principal paid down+$10,014
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.33
1 BR
1.27
2 BR
1.36
3 BR
1.56
4 BR
1.53
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 59501 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 59501 (Havre, MT) is $1,320 a month. That is unchanged from FY 2026. Havre is in the Blaine County, MT non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,187. Among 10 ZIP codes in Blaine County, 59501 has the 2nd-highest two-bedroom rent (county range $1,070–$1,480).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 59501
BedroomsFY 2027Change90–110% range
Studio$1,010+2.0%$909–$1,111
1BR$1,0800.0%$972–$1,188
2BR$1,3200.0%$1,188–$1,452
3BR$1,830+5.2%$1,647–$2,013
4BR$1,940+10.9%$1,746–$2,134

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 59501
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,010$1,080$1,320$1,830$1,940
FY 2026$990$1,080$1,320$1,740$1,750
FY 2025$940$1,010$1,280$1,690$1,700
FY 2024area FMR$658$693$905$1,128$1,265
FY 2023area FMR$596$682$826$1,083$1,195

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Blaine County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 59501
59501Current$1,320—
59520$1,480+12.1%
59523$1,180−10.6%
59524$1,070−18.9%
59526$1,190−9.8%
59527$1,210−8.3%
59529$1,190−9.8%
59535$1,230−6.8%
59542$1,070−18.9%
59547$1,180−10.6%

Questions about ZIP 59501 rents

How much will Section 8 pay for a two-bedroom in ZIP 59501?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,187, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,068 to $1,306 a month; under the ZIP-level Small Area FMR of $1,320 it would be $1,188 to $1,452. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 59501 in?

ZIP 59501 is in the Blaine County, MT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,187.

How much did fair market rent change in ZIP 59501 for FY 2027?

The two-bedroom FMR was unchanged at $1,320 in FY 2027. Since FY 2025 it has risen 3.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHavre, MT fair market rentMT statewide rentsWhat is SAFMR?Data sources