The story of this market
The typical home in ZIP 59446 sells for about $245,000, or $142 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 118 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $569 a month.
ZIP 59446 — Geraldine
The housing market in 59446 is characterized by low inventory and very low transaction volume, typical of a stable rural agricultural community. Prices have seen modest appreciation over the last decade, driven by limited supply rather than high demand. The market remains balanced with no significant pressure from investors or new development.
This ZIP is best suited for those seeking a quiet, rural lifestyle, including agricultural workers, retirees, or individuals looking for affordable housing away from urban centers.
Median prices moved up 4.2% year over year.
Homes spend a median of 118 days on market with 6.0 months of supply — a slower-moving market.
8% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.4% · poverty 20.3% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 59446, Chouteau County MT
Crime rates in the Geraldine area are significantly lower than the national average, consistent with the rural character of Chouteau County.
The area is served by the Geraldine K-12 School District, which maintains small class sizes and a community-focused educational environment.
The region faces moderate wildfire risk during summer months and standard winter weather hazards; property insurance availability remains stable but premiums are sensitive to regional wildfire activity.
The local economy is primarily driven by dryland wheat farming and ranching, with limited new commercial development or infrastructure expansion.
Property taxes are assessed by Chouteau County based on state-mandated appraisal cycles; there are no local MUD or PID districts, and the tax structure is primarily focused on funding county services and the local school district.
Commuting is primarily by private vehicle, with residents traveling to larger regional hubs like Great Falls for major employment and services.
Recreation is centered on outdoor activities including hunting, fishing, and access to the nearby Missouri River Breaks; local amenities are limited to small-town community facilities.
The rental market is extremely limited with very low inventory, primarily consisting of single-family homes; there is negligible short-term rental pressure.
The economy is heavily reliant on the agricultural sector, specifically wheat production and livestock ranching, which anchor the local tax base and employment.
Transportation is entirely dependent on personal vehicles; there is no public transit infrastructure serving this rural area.
There are no major commercial or residential developments currently approved or under construction in the ZIP code.
Chouteau County utilizes a state-supervised appraisal system that assesses property values based on market sales and agricultural productivity classifications.
Parcels are subject to standard county and school district levies; there are no special utility or hospital districts reported.
Property insurance is available through standard carriers, though premiums are influenced by the rural location and wildfire risk profiles common to Central Montana.
Montana has experienced net positive domestic migration, though this trend is concentrated in larger urban centers rather than rural ZIPs like 59446.
Montana is a non-judicial foreclosure state, allowing for trustee sales under deeds of trust with specific notice and cure periods.
Montana requires sellers to provide a property disclosure statement, though the scope is limited compared to other states, focusing on known material defects.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Local community park providing green space and recreational facilities.
Regional destination for outdoor recreation, hunting, and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.