Helena
Investment Analysis

Helena, MT
Investor Report

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

Share:
40
Investment Score
Rent
Cap Rate (Est.)
1.7%
Gross Yield
2.8%
P/R Ratio
32.6x
YoY Growth
+2.8%
Median Home Price
$462,400
Average Rent (1BR)
$1,081/mo
Median Income
$69,341
Population
33,126

Investment Breakdown

2
Value Score
78
Growth Score
53
Safety Score
47
Afford Score

Helena has a price-to-rent ratio of 32.6x, which indicates renting is more favorable than buying.

The estimated cap rate of 1.7% is below average, typical of appreciation-focused markets.

Year-over-year price growth of +2.8% indicates stable market conditions.

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

Overvalued Market

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.

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 Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

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
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

Investment Summary

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

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: June 2026