Helena Valley Southeast CDP
Investment Analysis

Helena Valley Southeast CDP, MT
Investor Report

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

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68
Investment Score
Strong Buy
Cap Rate (Est.)
2.5%
Gross Yield
4.2%
P/R Ratio
0.0x
YoY Growth
+0.0%
Median Home Price
$308,000
Average Rent (1BR)
$1,081/mo
Median Income
$63,824
Population
9,533

Investment Breakdown

100
Value Score
50
Growth Score
53
Safety Score
47
Afford Score

Helena Valley Southeast CDP has a price-to-rent ratio of 0.0x, which indicates buying is significantly better than renting.

The estimated cap rate of 2.5% is below average, typical of appreciation-focused markets.

Year-over-year price growth of +0.0% suggests a cooling market.

Rental Cash Flow Analysis

Monthly Income

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

Est. Monthly Expenses

Property Tax (~1.5%) -$385
Insurance (~0.5%) -$128
Maintenance (~1%) -$257
Est. Net Cash Flow $311/mo

Price Forecast 2026โ€“2028

๐Ÿ”ฎ Helena Valley Southeast CDP Price Forecast 2026โ€“2028

Based on 5-year Zillow ZHVI trend analysis ยท Statistical projection
๐Ÿ“ˆ Upward Trend
PROJECTEDNOW$459K2027$492Kโ–ฒ 7.2%2028$514Kโ–ฒ 12.1%20232024Now
$540K$385K
Current
$308K
2026
Projected
$492K
โ†‘ 7.2% by 2027
Projected
$514K
โ†‘ 12.1% by 2028
5yr CAGR:+7.6%
Confidence:Moderate
Rยฒ:0.84
โ–ผ

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 yearsโ€”which delivered a 47.2% total gainโ€”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 โ€“ $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
+7.6%

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 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 Valley Southeast CDP.

Total ROI
-122%
on $61,600 invested
Annual ROI
NaN%
compounded
Total Return
-$75,191
appreciation + cashflow
Mo. Cash Flow
-$1,349
year 1 estimate
Equity Growth Over 5 Years
Y164kY267kY370kY473kY576k
Appreciation
$0
Cash Flow
-$75,191
Final Equity
$76,039

* 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 Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

Pre-filled for Helena Valley Southeast CDP

Property

Purchase Price$308,000
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
-$1,220
Monthly Cash Flow
-$14,642/ year
-23.8%
Cash-on-Cash
1.3%
Cap Rate

Monthly Breakdown

+ Rental Income$1,081
โˆ’ Mortgage (P&I)$1,557
โˆ’ Property Tax$308
โˆ’ Insurance$125
โˆ’ Maintenance$257
โˆ’ Vacancy Loss$54
= Net Cash Flow-$1,220

Investment Summary

Down Payment
$61,600
Loan Amount
$246,400
Total Monthly Expenses
$2,301
Gross Yield
4.2%

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