ZIP Code 59404 — Great Falls city, MT Demographics & Data

ZIP code 59404 covers Great Falls, MT in Cascade County with a population of about 28,127.

At a glance, the area shows median age of 40.4 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 59404 is about $79,327 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 1.2%; 30.6% of adults with a bachelor’s degree or higher (about 3.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 6.7% of workers reporting work-from-home (about 8.5 points below 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 $272,300 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $891 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 85.7% (about 20.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59404 in Great Falls, MT, a household would need roughly $75,000 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 $1,749. That is roughly in line with the local median household income ($79,327). 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 Great Falls city, MT as Relatively Moderate (composite score 83.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (84.2) and flood (83.4). 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 Great Falls city, MT show little to no average snow and around 15.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,487 for ZIP 59404 (Great Falls city, 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.