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Beaverhead County/Lima/59739

59739

ZIPSAFMR
Beaverhead County, MT
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$820$820
1 BR$890$890
2 BR$1,040$1,040
3 BR$1,440$1,440
4 BR$1,740$1,740
5 BR$2,001Not available
6 BR$2,301Not available
7 BR$2,646Not available
8 BR$3,043Not available

Purchase Price Calculator

Maximum purchase price
$92,627

Cost breakdown

+Likely effective rent$1,040
HUD FMRUsed$1,040
Market rentN/A
Est. payment standardN/A
-Principal and interest-$468
Loan amount$74,102
Down payment$18,525
Rate6.50%
Term30 years
-Operating costs-$372
Property taxes-$93
Insurance-$175
Utilities$0
HOA$0
Management-$104
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,977(91.6% ROI)
Projected value
$99,749
Return breakdown
Property appreciation+$7,122
Loan principal paid down+$2,655
Rental cash flow+$7,200
5-year hold
+$28,906(156.0% ROI)
Projected value
$104,799
Return breakdown
Property appreciation+$12,172
Loan principal paid down+$4,734
Rental cash flow+$12,000
10-year hold
+$61,225(330.5% ROI)
Projected value
$118,570
Return breakdown
Property appreciation+$25,943
Loan principal paid down+$11,281
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 59739 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 59739 (Lima, MT) is $1,040 a month. That is up 3.0% from $1,010 in FY 2026. Lima is in the Beaverhead 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 $1,074. Among 9 ZIP codes in Beaverhead County, 59739 has the 9th-highest two-bedroom rent (county range $1,040–$1,420). The median county two-bedroom FMR in Montana is $1,310, so ZIP 59739 is 21% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 59739
BedroomsFY 2027Change90–110% range
Studio$820+6.5%$738–$902
1BR$890+4.7%$801–$979
2BR$1,040+3.0%$936–$1,144
3BR$1,440+2.9%$1,296–$1,584
4BR$1,740+2.4%$1,566–$1,914

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 59739
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$820$890$1,040$1,440$1,740
FY 2026$770$850$1,010$1,400$1,700
FY 2025$730$810$970$1,320$1,640
FY 2024area FMR$656$806$905$1,275$1,536
FY 2023area FMR$587$731$826$1,110$1,407

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

Two-bedroom rent in nearby Beaverhead County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 59739
59724$1,080+3.8%
59725$1,390+33.7%
59727$1,420+36.5%
59732$1,390+33.7%
59736$1,090+4.8%
59739Current$1,040—
59746$1,100+5.8%
59761$1,090+4.8%
59762$1,280+23.1%

Questions about ZIP 59739 rents

How much will Section 8 pay for a two-bedroom in ZIP 59739?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,074, which applies unless the housing authority uses Small Area FMRs, that basic range is $967 to $1,181 a month; under the ZIP-level Small Area FMR of $1,040 it would be $936 to $1,144. 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 59739 in?

ZIP 59739 is in the Beaverhead County, MT non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,074.

How much did fair market rent change in ZIP 59739 for FY 2027?

The two-bedroom FMR rose 3.0%, from $1,010 in FY 2026 to $1,040 in FY 2027. Since FY 2025 it has risen 7.2%.

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