Helena
Investment Analysis

Helena, MT
Housing Market Screening

City-level home-price and one-bedroom-rent references with transparent methodology and limitations.

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City-level screening

35.6x

Home price / annualized 1BR rent

Gross annual 1BR-rent reference
2.8%
Recorded YoY field
+2.8%

Not cap rate, ROI, valuation or buy-versus-rent advice. City fields may reflect different source years.

Median Home Price
$462,400
Average Rent (1BR)
$1,081/mo
Median Income
$69,341
Population
33,126

Housing Screening Context

Helena has a computed screening multiple of 35.6x and a gross annual 1BR-rent reference of 2.8%.

These values compare separate city-level fields, not one matched property. They exclude financing, taxes, insurance, maintenance, vacancy, transaction costs and tenure horizon.

Recorded year-over-year price change: +2.8%. Source period and forecast assumptions should be reviewed before scenario use.

Read the transparent methodology or open the Housing Research Hub.

Rental Cash Flow Analysis

Monthly Income

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

Est. Monthly Expenses

Property Tax (~1.5%) -$578
Insurance (~0.5%) -$193
Maintenance (~1%) -$385
Est. Net Cash Flow -$75/mo

Job Market

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

Healthcare

71
Score
Good

Risk Factors

Low Risk Profile

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 Model an editable scenario

Adjust the sliders to model different investment scenarios for Helena.

Total ROI
-83%
on $92,480 invested
Annual ROI
-30.2%
compounded
Total Return
-$77,169
appreciation + cashflow
Mo. Cash Flow
-$2,541
year 1 estimate
Equity Growth Over 5 Years
Y1109kY2127kY3145kY4164kY5184k
Appreciation
$69,498
Cash Flow
-$146,667
Final Equity
$183,656

* 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 Scenario Calculator Estimate your monthly cashflow

Rental Cash-Flow Scenario

Pre-filled for Helena

Property

Purchase Price$462,400
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
-$2,284
Modeled Monthly Cash Flow
-$27,407/ year
-29.6%
Cash-on-Cash
0.1%
Cap Rate

Monthly Breakdown

+ Rental Income$1,081
โˆ’ Mortgage (P&I)$2,338
โˆ’ Property Tax$462
โˆ’ Insurance$125
โˆ’ Maintenance$385
โˆ’ Vacancy Loss$54
= Net Cash Flow-$2,284

Scenario Summary

Down Payment
$92,480
Loan Amount
$369,920
Total Monthly Expenses
$3,365
Gross Yield
2.8%

Investor Toolkit

Research Helena before you invest

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: July 2026