ZIP 59225 · Frazer, MT · 596 residents · September 2026
Frazer 59225: the market leans toward sellers.
Conditions tightening in sellers' favor. Typical home value $307K, +11.6% over 12 months.
Market balanceSeptember 2026
In Mar 2026: +34
Higher than 0% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+34
- Apr 2026+30
- May 2026—no reading on record
- Jun 2026—no reading on record
- Jul 2026—no reading on record
- Aug 2026—no reading on record
- Sep 2026+30
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- Sale-to-list —No sale-to-list figure for this ZIP
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin.
Accelerating: prices +11.6% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.
Prices
Typical home value since 2019, and how far it moved over each window.
Zillow ZHVI peaked at $307,186 in February 2026, which is the latest value. The sharpest 12-month move was −12.1%, ending June 2023.
Zillow's typical home value here, $307K in August 2026, is 6% above the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved +11.6% here and +2.8% in the median U.S. ZIP.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Montana rank |
|---|---|---|---|---|
| 1 year | +11.6% | +11.6%/yr | Top 1% nationally | Top 2% in Montana |
| 3 years | +33.9% | +10.2%/yr | Top 1% nationally | Top 1% in Montana |
| 5 years | +53.2% | +8.9%/yr | Top 1% nationally | Top 1% in Montana |
| Since 2019 | +99.1% | +10.1%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$2,30463% of the median household income here ($43,929)Above the 36% line lenders use for total debt, for a median earner here. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $894 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 7.0× the median household income here, against 6.2× in the median MT ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $43,929 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 5 scored ZIPs in Valley County.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
—Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
No other scored Montana ZIP within 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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