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103 & 109 S 8th Ave, Bozeman, MT, 59715

3beds
5baths
--sqft
$2,995,000
--price/sqft
$17,398/moest. monthly cost
$695,920/yrincome needed

About This Home

Rare downtown Bozeman opportunity! Offered together, 103 & 109 S 8th Avenue feature two adjacent buildings on two separate lots just one block from Main Street. Properties with this combination of location, flexibility, and future potential are increasingly difficult to find. The existing improvements offer immediate income potential and a variety of residential, office, or mixed-use possibilities, while the true value lies in controlling two contiguous downtown parcels. Maintain the current use, reposition over time, or explore future redevelopment opportunities in one of Bozeman's most sought-after locations. Just steps from Main Street's restaurants, shops, and amenities, this is a unique opportunity to secure a significant downtown footprint in the heart of Bozeman.

Getting Around

93
WalkingWalker's Paradise
30
TransitSome Transit
75
BikeVery Bikeable

Schools

7/10
Irving SchoolGrades PK-50.4 mi
8/10
Sacajawea Middle SchoolGrades 6-82.4 mi
8/10
Bozeman High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 5

Features

  • Flooring: Hardwood,Tile
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Property

Details

  • Parcel number: RGG6147 & RGG3417
  • Zoning description: B2M
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 10,846 sqft

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Earthquake
Hail

FEMA Declared Disasters in Gallatin County and Montana

Flood
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $15,144$181,728
Home Insurance $731$8,772
Property Taxes $1,372$16,464
Electricity $151$1,812
Total$17,398$208,776

Income You'd Need if You Spent...

35% on housing$596,502/yr
40% on housing$521,940/yr
45% on housing$463,946/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.2%
5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 59715$597
Gallatin County$544

vs Homes Sold Last Month

Median $/sqft

ZIP 59715$436
Gallatin County$365

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-30Price change$2,995,000
2026-06-02Listed for sale$3,150,000

For Sale by Agent

AgentMegan Dissly
BrokerageBerkshire Hathaway - Bozeman

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