Helena Valley Southeast CDP
Investment Analysis

Helena Valley Southeast CDP, 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

30.1x

Home price / annualized 1BR rent

Gross annual 1BR-rent reference
3.3%
Recorded YoY field
Not available

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

Median Home Price
$389,900
Average Rent (1BR)
$1,081/mo
Median Income
$63,824
Population
9,533

Housing Screening Context

Helena Valley Southeast CDP has a computed screening multiple of 30.1x and a gross annual 1BR-rent reference of 3.3%.

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: Not available. 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%) -$487
Insurance (~0.5%) -$162
Maintenance (~1%) -$325
Est. Net Cash Flow $106/mo

Price Forecast 2026–2028

🔮 Helena Valley Southeast CDP Price Forecast 20262028

Based on 5-year Zillow ZHVI trend analysis · Statistical projection
📈 Upward Trend
PROJECTEDNOW$482K2027$509K 5.4%2028$528K 9.5%20232025Now
$554K$417K
Current
$390K
2026
Projected
$509K
5.4% by 2027
Projected
$528K
9.5% by 2028
5yr CAGR:+5.8%
Confidence:High
R²:0.87

For anyone eyeing the Helena Valley Southeast CDP housing market forecast through 2028, the data suggests a period of stabilization rather than dramatic shifts. Current conditions show a median home price of $308,000 with a year-over-year change of 0.0%, indicating the rapid appreciation seen over the past five years—which delivered a 47.2% total gain—is leveling off. The market temperature sits at a neutral 50/100, and with homes typically spending 35 days on the market, there's balance between buyer and seller power. Local economic factors, including steady but not explosive job growth in government and services tied to the state capital, should support this stability. Affordability remains a key pressure point, as the price-to-rent ratio of 23.7x is significantly above the national average of 18x, making purchasing less attractive relative to renting and potentially capping buyer demand.

Looking ahead, the question of will Helena Valley Southeast CDP home prices drop is central to the outlook. Given the elevated price-to-rent ratio and a risk grade of C, significant price declines are possible if borrowing costs remain high or local job growth slows. However, the 5-year CAGR of 7.9% suggests underlying demand has been strong, which may provide a floor for prices. The buy/rent verdict currently leans toward RENT, reflecting that ownership is expensive relative to rental income. For investors, this means cash flow could be tight, but long-term equity growth remains a possibility. The Helena Valley Southeast CDP real estate Helena Valley Southeast CDP 2027 landscape will likely be defined by this tension between affordability constraints and the area's appeal as a quieter, family-oriented community near Helena.

A balanced assessment for 2026-2028 points to modest, single-digit price appreciation at best, potentially in the 2-4% annual range, assuming no major economic shocks. The market's price range over the last five years ($311,743 – $459,029) shows some volatility, but the current stagnation suggests a cooling period. Local factors like limited new construction and the area's reliance on state government employment could keep supply tight, supporting prices. However, affordability issues and the high cost of borrowing will likely keep demand in check. Overall, expect a stable but unexciting market where buyers need patience, and sellers must price realistically.

Projected Cap Rate (2027)
1.6%
5yr CAGR
+5.8%

Job Market

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

Healthcare

71
Score
Good

Risk Factors

Low Inventory

Market Activity

Source: Redfin · 2026-05-31
Months Supply 4.5
Price Drops 26%
Gone in 2 Wks 66%

Market Position

Affordability Average
Safety Average

ROI Projector Model an editable scenario

Adjust the sliders to model different investment scenarios for Helena Valley Southeast CDP.

Total ROI
-145%
on $77,980 invested
Annual ROI
NaN%
compounded
Total Return
-$113,105
appreciation + cashflow
Mo. Cash Flow
-$1,981
year 1 estimate
Equity Growth Over 5 Years
Y181kY285kY388kY492kY596k
Appreciation
$0
Cash Flow
-$113,105
Final Equity
$96,259

* Estimates based on 0.0% 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 Valley Southeast CDP

Property

Purchase Price$389,900
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
-$1,784
Modeled Monthly Cash Flow
-$21,413/ year
-27.5%
Cash-on-Cash
0.6%
Cap Rate

Monthly Breakdown

+ Rental Income$1,081
− Mortgage (P&I)$1,972
− Property Tax$390
− Insurance$125
− Maintenance$325
− Vacancy Loss$54
= Net Cash Flow-$1,784

Scenario Summary

Down Payment
$77,980
Loan Amount
$311,920
Total Monthly Expenses
$2,865
Gross Yield
3.3%

Investor Toolkit

Research Helena Valley Southeast CDP 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: August 2026