ZIP Code 59032 — Ayers Ranch Colony CDP, MT Demographics & Data

ZIP code 59032 covers Ayers Ranch Colony, MT in Fergus County with a population of about 380.

At a glance, the area shows median age of 45.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59032 is about $26,750 — about 64% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.3%; unemployment rate near 0.4%; 16.7% of adults with a bachelor’s degree or higher (about 17.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Retail trade; about 14.8% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $122,500 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $477 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 65.4% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59032 in Ayers Ranch Colony, MT, a household would need roughly $34,000 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 $787. That is about 27% above the local median household income ($26,750), so the median earner would likely stretch or need a larger down payment. 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 Ayers Ranch Colony CDP, MT as Relatively Low (composite score 45.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (80.4) and flood (36.5). 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 Ayers Ranch Colony CDP, MT show little to no average snow and around 17.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 59032 (Ayers Ranch Colony 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.