ZIP Code 59069 — Reed Point CDP, MT Demographics & Data

ZIP code 59069 covers Reed Point, MT in Stillwater County with a population of about 491.

At a glance, the area shows median age of 58.7 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.

Reed Point, MT fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 59069 is about $68,333 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 0.5%; 17.7% of adults with a bachelor’s degree or higher (about 16.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Mining; about 14.5% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 165.0 minutes (U.S. average near 26.8).

Median home value is about $392,400 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,352 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 93.2% (about 27.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59069 in Reed Point, MT, a household would need roughly $108,000 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 $2,521. That is about 58% above the local median household income ($68,333), 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 Reed Point CDP, MT as Very Low (composite score 16.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (87.1) and flood (36.2). 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 Reed Point CDP, MT show little to no average snow and around 15.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 26 for ZIP 59069 (Reed Point 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.