ZIP Code 59013 — Boyd CDP, MT Demographics & Data

ZIP code 59013 covers Boyd, MT in Carbon County with a population of about 213.

At a glance, the area shows median age of 44.8 versus a U.S. median of about 38.9.

It sits in telephone area code 406; U.S. House district MT-2; the BILLINGS media market.

Median household income in ZIP 59013 is about $134,750 — about 79% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 0.0%; 33.3% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Mining, and Food services; about 11.4% of workers reporting work-from-home (about 3.8 points below the U.S. share (15.2%)); a mean commute of about 132.0 minutes (U.S. average near 26.8).

Median home value is about $503,300 — about 45% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59013 in Boyd, MT, a household would need roughly $139,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,233. That is roughly in line with the local median household income ($134,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Boyd CDP, MT as Relatively Low (composite score 59.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (93.3) and flood (72.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Boyd CDP, MT show little to no average snow and around 14.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 59013 (Boyd CDP, MT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.