Whitefish, MT 59937 Real Estate Market Report

ZIP Code: 59937
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Whitefish, MT are 6.3% compared to 5.9% when typical loans in this area originated in early 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. median sold price is unavailable in the provided metrics, so a transaction‑based market value cannot be directly stated; this absence likely reflects limited closed-sale sampling in the dataset rather than a lack of market activity, and it constrains definitive conclusions about realized pricing from recent transactions.

2. median listing price is $2,000,000, which combined with a long median days on market of 190 suggests pricing friction and slower sales velocity; the gap between asking expectations and actual transaction evidence may be widening, and sellers should consider price positioning or concessions to accelerate deals. down

3. price year-over-year trend is down while rent year-over-year trend is up, indicating diverging signals: capital values are softening but rental demand/support is rising; investors should note rising rents (supporting income strategies) even as capital appreciation appears negative. down up

4. The sample shows elevated inventory relative to sales, and with market temperature assessed as neutral and interest rate pressure described as elevated, market balance appears cautious—buyers may have more negotiation leverage, while sellers face longer time-to-sale; current 30-year fixed mortgage rates are 6.3% versus 5.9% on typical early-2026 originations, which may further temper buyer affordability and transaction velocity. neutral elevated

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Notable Properties

The following 1 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Whitefish, MT 59937 Real Estate Market Report

ZIP Code: 59937
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

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Property Taxes

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Liquidity & Velocity

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Whitefish, MT are 6.3% compared to 5.9% when typical loans in this area originated in early 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market-value indicator, median sold price, is not provided in the supplied metrics; this absence suggests recent transaction-level data was not available in the sample and may limit direct conclusions about realized market value (unavailable in provided metrics).

2. The asking-side snapshot shows median listing price: $944,500 alongside median days on market: 203, which appears consistent with slower sales velocity and down year-over-year price trend; this combination may indicate pricing friction between seller expectations and buyer willingness to transact.

3. Given the supplied market temperature: neutral, the market appears balanced rather than strongly favoring buyers or sellers, but qualitative signals point to elevated inventory relative to sales activity and moderate transaction volume that may prolong time-to-contract.

4. Rental and financing context: median market rent: $2,400 is trending up year-over-year, while interest rate pressure: elevated may weigh on buyer affordability—Current 30-year fixed mortgage rates in Whitefish, MT are 6.3% compared to 5.9% when typical loans in this area originated in early 2026, which may increase hold-versus-sell considerations for owners.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.