ZIP CODE 59901 // KALISPELL, MT // DATA AS OF 2026-09-30
Kalispell, MT (59901) Rental Property Cap Rate & Cash Flow Report
Located in Flathead County (Kalispell, MT), Zip Code 59901 ranks #377 of 500 within this selected sample (25th percentile) with a Zillow ZHVI typical home-value index of $554,254 (+1.7% YoY) and a ZORI observed market rent of $1,901/mo (+3.0% YoY). Requires at least 68.3% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$1,694/mo
Annual: -$20,325/yr
Modeled Cap Rate
2.40%
NOI: $13,306/yr
Cash-on-Cash Return
-15.94%
Cash Needed: $127,478
1% Rule Ratio
0.34%
Gross Yield: 4.12%
Break-Even Rent
$3,848/mo
State Tax: 0.68%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 59901 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (MT Avg 0.68%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,803/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$792/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (59901)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2023 | $531,250 | $1,776/mo | 4.01% |
| 2024 | $548,152 | $1,814/mo | 3.97% |
| 2025 | $545,015 | $1,846/mo | 4.06% |
| 2026 | $554,254 | $1,901/mo | 4.12% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 10025 New York, NY | $1,144,542 | $4,705/mo | 2.39% | -$3,506/mo |
| 60625 Chicago, IL | $424,607 | $1,969/mo | 2.39% | -$1,301/mo |
| 90640 Montebello, CA | $818,049 | $2,837/mo | 2.41% | -$2,493/mo |
| 94112 San Francisco, CA | $1,183,444 | $4,080/mo | 2.39% | -$3,628/mo |
| 10469 New York, NY | $695,843 | $2,880/mo | 2.42% | -$2,115/mo |
| 91766 Pomona, CA | $672,314 | $2,340/mo | 2.42% | -$2,042/mo |