ZIP Code 59544 — Whitewater CDP, MT Demographics & Data

ZIP code 59544 covers Whitewater, MT in Phillips County with a population of about 201.

At a glance, the area shows median age of 40.8 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 59544 is about $41,563 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.4%; unemployment rate near 2.1%; 23.1% of adults with a bachelor’s degree or higher (about 10.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Construction; about 6.6% of workers reporting work-from-home (about 8.6 points below the U.S. share (15.2%)); a mean commute of about 85.0 minutes (U.S. average near 26.8).

Median home value is about $220,800 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $180 (about 85% below the U.S. median rent ($1,163)), and owner-occupancy near 45.0% (about 20.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59544 in Whitewater, MT, a household would need roughly $61,000 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 $1,418. That is about 47% above the local median household income ($41,563), 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 Whitewater CDP, MT as Very Low (composite score 34.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (67.7) and flood (39.8). 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 Whitewater CDP, MT show little to no average snow and around 12.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 59544 (Whitewater 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.