ZIP Code 59230 — St. Marie CDP, MT Demographics & Data

ZIP code 59230 covers St. Marie, MT in Valley County with a population of about 4,515.

At a glance, the area shows median age of 45.1 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 59230 is about $72,161 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 1.3%; 20.2% of adults with a bachelor’s degree or higher (about 13.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 16.1% 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 $237,700 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $710 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59230 in St. Marie, MT, a household would need roughly $65,000 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 $1,527. That is roughly in line with the local median household income ($72,161). 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 St. Marie CDP, MT as Very Low (composite score 35.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (49.5) and flood (34.2). 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 St. Marie CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 239 for ZIP 59230 (St. Marie 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.