ZIP Code 59463 — Monarch CDP, MT Demographics & Data

ZIP code 59463 covers Monarch, MT in Cascade County with a population of about 110.

At a glance, the area shows median age of 69.3 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.

Monarch, MT reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.8%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 59463 is about $40,972 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.0%; unemployment rate near 0.0%; 24.6% of adults with a bachelor’s degree or higher (about 9.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Public administration, and Food services; about 38.5% of workers reporting work-from-home (about 23.3 points above the U.S. share (15.2%)); a mean commute of about 8.0 minutes (U.S. average near 26.8).

Median home value is about $333,900 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.4% (about 27.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59463 in Monarch, MT, a household would need roughly $92,000 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 $2,145. That is about 125% above the local median household income ($40,972), 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 Monarch CDP, 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 Monarch CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 6 for ZIP 59463 (Monarch 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.