Helena
Investment Analysis

Helena, MT
Investor Report

Comprehensive real estate investment analysis with cap rates, rental yields, and risk assessment.

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40
Investment Score
Rent
Cap Rate (Est.)
1.9%
Gross Yield
3.2%
P/R Ratio
32.6x
YoY Growth
+2.8%
Median Home Price
$408,150
Average Rent (1BR)
$1,081/mo
Median Income
$69,341
Population
33,126

Investment Breakdown

2
Value Score
78
Growth Score
53
Safety Score
47
Afford Score

Helena has a price-to-rent ratio of 32.6x, which indicates renting is more favorable than buying.

The estimated cap rate of 1.9% is below average, typical of appreciation-focused markets.

Year-over-year price growth of +2.8% indicates stable market conditions.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $1,081
Annual Gross $12,972

Est. Monthly Expenses

Property Tax (~1.5%) -$510
Insurance (~0.5%) -$170
Maintenance (~1%) -$340
Est. Net Cash Flow $61/mo

Job Market

Unemployment 2.6%
National avg: 3.7%
Job Growth (YoY) +2.0%

Healthcare

71
Score
Good

Risk Factors

Overvalued Market

Market Activity

Source: Redfin ยท 2026-01-31
Months Supply 4.0
Price Drops 18%
Gone in 2 Wks 39%

Market Position

Affordability Average
Safety Average

ROI Projector Estimate your total return

Adjust the sliders to model different investment scenarios for Helena.

Total ROI
-74%
on $81,630 invested
Annual ROI
-23.5%
compounded
Total Return
-$60,209
appreciation + cashflow
Mo. Cash Flow
-$2,122
year 1 estimate
Equity Growth Over 5 Years
Y197kY2112kY3128kY4145kY5162k
Appreciation
$61,344
Cash Flow
-$121,553
Final Equity
$162,109

* Estimates based on 2.8% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

Pre-filled for Helena

Property

Purchase Price$408,150
Monthly Rent$1,081
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$1,910
Monthly Cash Flow
-$22,922/ year
-28.1%
Cash-on-Cash
0.5%
Cap Rate

Monthly Breakdown

+ Rental Income$1,081
โˆ’ Mortgage (P&I)$2,064
โˆ’ Property Tax$408
โˆ’ Insurance$125
โˆ’ Maintenance$340
โˆ’ Vacancy Loss$54
= Net Cash Flow-$1,910

Investment Summary

Down Payment
$81,630
Loan Amount
$326,520
Total Monthly Expenses
$2,991
Gross Yield
3.2%

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: March 2026