Missoula, Montana  /  a housing and transit analysis

Housing policy is transit policy

Missoula needs more housing, and the instinct is to build where land is cheap. That means the edge, and the edge really is cheaper — land out there costs a seventh what it costs in the neighborhoods this analysis recommends growing.

But cheap to build on is not cheap to live in. A household at the edge pays $491 more a year to reach work, drives 733 more miles, and emits a third of a ton more carbon — every year. The City runs 2,033 feet of sewer to meet them, against 447 feet inside.

So the question is not which land is cheapest. It is whether the places worth growing are places you can live without a car — and today, 384 of 436 of them are not. Three bus routes decide whether that changes.

18,571parcels examined
3⁄4of capacity where risk is highest
384 of 436growth areas with no frequent bus
3routes that change the answer
This area
01  /  the question

Where should Missoula grow?

Home values here rose 37.9% in real terms between 2019 and 2024, while the City permits about 750 homes a year. The pressure is real and the land is finite.

The instinct is to build where land is cheap, which means the edge. This walks through what that choice actually costs, and where to grow instead.

02  /  the raw material

Start with every low-intensity parcel

City parcels that are vacant, single-family, or mobile home, with no more than one home on them. 18,571 parcels on 11,317 acres — 69% of the city's parcels and 39% of its land.

No filtering yet on zoning, hazard, or transit. Those attach later, as separate layers of evidence rather than as filters on this one. Shown here: the Rattlesnake, upper and lower — 1,962 of the 18,571.

03  /  what comes off the top

8,177 acres survive both subtractions

Flood and steep slope come off as a share of each lot rather than discarding whole parcels — the supplied taxlots carry both percentages. That takes 920 acres.

Then lots that are already substantially built on count for less. A house covering 35% or more of its lot counts for a fifth of its area; an empty lot counts for all of it. That takes another 2,143.

11,240 acres every candidate acre, before anything is taken off
04  /  from parcels to places

Measured at the scale of a walk

Each parcel's land is split across the hexagons it touches, by area of overlap rather than by which hexagon holds its centre — so a parcel straddling a boundary is split between both cells rather than assigned whole to one.

Quarter-mile hexagons, about 26 acres each. Darker means a larger share of the land is low-intensity and could take more housing.

05  /  how many homes

38,855 homes under a stated allowance

Acres are not homes. This assigns an allowance by the adopted 2045 Place Type — six per lot Downtown, four in urban residential, one at the rural edge — and counts only what is not already built. It adds 38,855 homes to the 17,152 that stand on these lots today.

This is a scenario the City could choose, not what zoning permits and not a forecast. Every home count downstream scales with it.

38,855 homes under the stated allowance, citywide
06  /  does it cluster?

Opportunity arrives in clusters

Before drawing policy areas it is worth testing whether there are any. Moran's I is 0.66 with a pseudo p-value of 0.001 — high-opportunity hexes sit beside other high-opportunity hexes far more than chance would produce.

Local Moran's I finds where. The two outlier types matter as much as the clusters: they are the places a blanket area policy would get wrong.

07  /  can you reach a job?

Walking to a bus stop is not access to jobs

One network carries both walking and riding, so the shortest path picks the mode. Boarding costs half the headway; riding costs the scheduled run time. A place beside a stop still scores badly if that route reaches nowhere.

The median hex reaches 59 jobs within thirty minutes. The best reaches 42,017 — a seven-hundred-fold difference inside one city.

08  /  what driving costs

Putting a number on the commute

Expected commute distance comes from the road network and the real distribution of jobs, weighted so a closer job counts for more. Two trips a day, 250 days, priced at the IRS rate of 67 cents a mile.

The result runs from $860 a year in the centre to $2,670 at the outer edge. That is a full ownership rate, not fuel alone.

09  /  the full bill

The edge is cheaper to build. It has other costs.

Land at the edge costs a seventh what it costs where this analysis recommends growing, so building there is cheaper, at any density.

Four costs come with it, and they recur. Each year, a household out there drives 733 more miles, spends $491 more reaching work, and emits a third of a ton more carbon — and the City maintains 1,586 more feet of sewer to serve them.

$370,225 per acre where we recommend growing · $53,359 out at the edge
10  /  where service would pay

What "invest first" actually means

Housing opportunity times jobs, decayed by travel time, accumulated onto the streets between them. High accumulated demand plus weak service is a place where the land is ready and the service is not — 144 segments, 13.8 miles, all of it inside the built city.

Every one sits on a route Mountain Line already runs, so the ask is operating budget rather than new coverage. None of it reaches past the built edge.

144 segments 13.8 miles
11  /  who could be harmed

The capacity and the risk are the same ground

Renter share, low income, and severe rent burden, from the 2020–2024 ACS. Displacement risk is claimed only where vulnerability and active development pressure overlap — 23 hexes. Vulnerability alone describes a neighborhood; it does not prove anyone is being displaced.

Three quarters of the homes this city could add sit in exactly these neighborhoods.

12  /  the recommendation

Four things the City can do

Contiguous regions built with Max-p, each holding at least 100 acres of opportunity so every one has a reason to exist. Then an ordered rule assigns one action to each.

5,200 homes ≈ 7 years of Missoula's current production
13  /  what makes it work

Three routes. Eight buses.

Only two of twelve Mountain Line routes come every fifteen minutes. 384 of 436 growth areas have no frequent service, so the location advantage exists on paper and not in a rider's morning.

Raising Routes 11, 12 and 5 gives 5,677 homes a useful bus. Eight more vehicles, no new alignments. Then the homes build the ridership that pays for the service that makes the homes work.

14  /  does it agree with the plan?

72% matches Our Missoula 2045

The adopted plan's intensity was never consulted in the decision — it was held out so it could serve as a check. Fifty-one of seventy-one regions land in the same place the plan does.

The disagreements are the useful part. 16 regions the plan holds at low intensity look like opportunity here, and 4 the plan marks for growth look like caution. That is where the conversation is.

the end  /  sources and assumptions

Where every number came from, and what it cannot tell you

Twenty datasets, one supplied and the rest public. Every judgment call is listed below with the value used and what moves if you change it — those are the places a reasonable person could pick differently and get a different map.

The judgment calls

ChoiceValue usedWhy, and what moves if you change it
Candidate universevacant, single-family or mobile home, and no more than one home on the lot Widens or narrows the whole study. Loosening it pulls in duplexes and small apartment lots.
Underuse weight0.2 at 35% lot coverage or more, rising to 1.0 when empty The single largest judgment in the analysis. It takes 2,143 of the 10,320 hazard-adjusted acres.
Hazardthe larger of flood share and steep-slope share, subtracted per lot The larger rather than the sum, so ground that is both is not removed twice. Takes 920 acres.
Homes allowed6 Downtown and urban mixed-use high, 4 urban, 3–2 limited, 1 rural A policy scenario, not zoning capacity. Every home count on the site scales with it.
GridUber H3 resolution 9, about 26 acres per cell Roughly a quarter-mile walk. Coarser cells smooth the clusters; finer ones fragment them.
Frequent service15 minutes or better in the weekday 7–9am peak The usual planning threshold for turn-up-and-go. At 20 minutes, far more of the city qualifies.
Distance decayβ = ln(2)/30, so a job 30 minutes away counts half Sets how far "access" reaches. A flatter curve rewards the edge; a steeper one rewards the core.
Driving costIRS $0.67 per mile, 2 trips a day, 250 days, 1.3 circuity A full ownership rate, not fuel alone. Fuel-only would roughly quarter the $491.
Region floorat least 100 acres of opportunity per Max-p region Stops the map fragmenting into areas too small to write policy about.
Displacement riskclaimed only where vulnerability and permit activity overlap Vulnerability alone describes a neighborhood; it does not show anyone being displaced.
Take-up15% of eligible lots, adjustable on chapter 12 No evidence in the data supports a particular rate, so it is left adjustable.

What this cannot tell you

Every dataset

DatasetProviderVintageKnown limitation
opportunity
Supplied Missoula taxlotsCascadia Partners / upstream custodian undocumentedexact vintage undocumentedUpstream custodian and exact date undocumented. Records are not uniformly developable parcels. Land_Use reflects an older City Growth Policy, not the current 2045 Place Types.
Supplied field mapCascadia Partnersprovided with exerciseBrief metadata; does not document coding conventions or the vintage of the future-land-use designation.
GlobalML building footprintsMicrosoft2026-07-24 releaseMachine-generated footprints with variable imagery dates. Includes garages and outbuildings (42082 footprints against 32974 parcels).
policy
Our Missoula 2045 Place TypesCity of Missoula GISadopted 2045 frameworkLong-range policy direction, not zoning and not development capacity. Disagrees with the supplied Land_Use field on 99.6% of parcels because the two encode different growth policies.
Current Title 22 base zoningCity of Missoula GIScurrent service snapshotA mapped zone is not a complete entitlement or code analysis.
reference
Neighborhood boundariesCity of Missoula GISlast edited 2021-11-10Reference geography only; carries no analytical weight.
accessibility
Mountain Line GTFSMissoula Urban Transportation Districtfeed valid 2026-07-03 to 2027-02-15A published schedule is not realized travel time or reliability. Headway computed as 120 minutes divided by trips in the peak window.
Pedestrian street networkOpenStreetMap via OSMnxdownloaded 2026-08-03Does not represent sidewalk quality, ADA access, or crossing delay. 37061 nodes; largest connected component 97.8%. Coordinates are in feet but edge lengths are in metres.
Workplace Area Characteristics jobsU.S. Census Bureau LEHDLODES8 2023Modeled primary-workplace jobs, not establishments or live counts. Block-level values carry synthetic noise for disclosure protection.
infrastructure
Utility service areaCity of Missoula GIScurrent service snapshotMembership does not demonstrate spare capacity. Proxy only.
Sanitary gravity mainsCity of Missoula GIScurrent service snapshotProximity does not demonstrate condition, feasibility, or capacity. Deliberately not converted to dollars.
Water mainsCity of Missoula GIScurrent service snapshotProximity does not demonstrate condition, feasibility, or capacity. Deliberately not converted to dollars.
protection
ACS five-year estimates block groupU.S. Census Bureau2020-2024Five-year estimates carry margins of error and are not household facts. Current conditions only; not evidence that displacement is occurring.
ACS five-year estimates citywideU.S. Census Bureau2015-2019 and 2020-2024The two vintages use different small-area boundaries, so these are used ONLY citywide and never subtracted block group by block group.
Consumer Price Index for All Urban ConsumersU.S. Bureau of Labor Statistics2019-2024 annual averagesA national index is a broad inflation adjustment rather than a Missoula housing-price index.
Housing creation permitsCity of Missoula2019-presentCovers HOUSING CREATION only - not a complete building-permit record. Permit locations do not prove completed construction, and City records omit County activity.
preservation
LIHTC propertiesU.S. Department of Housing and Urban Developmentcurrent service snapshotDoes not represent every income-restricted property. HUD's bulk lihtcpub.zip was not used: it is bot-blocked and now ships .accdb/.xlsx rather than the documented CSV.
HUD multifamily propertiesU.S. Department of Housing and Urban Developmentcurrent service snapshotThe portfolio is not a complete local affordable-housing inventory.
Historic buildings districts and individual propertiesCity of Missoula Historic Preservationcurrent service snapshotPoints and boundaries require project-specific confirmation and do not by themselves prevent development.
National Register locationsNational Park Servicecurrent public servicePublic data exclude restricted and sensitive locations and may omit eligible but unlisted resources.
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