ZIP Code 59645 — White Sulphur Springs city, MT Demographics & Data

ZIP code 59645 covers White Sulphur Springs, MT in Meagher County with a population of about 1,703.

At a glance, the area shows median age of 58.6 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.

White Sulphur Springs, 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 59645 is about $59,231 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.1%; unemployment rate near 0.0%; 24.2% of adults with a bachelor’s degree or higher (about 9.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Public administration, and Education; about 11.7% of workers reporting work-from-home (about 3.5 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 $283,100 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $535 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59645 in White Sulphur Springs, MT, a household would need roughly $78,000 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 $1,819. That is about 32% above the local median household income ($59,231), 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 White Sulphur Springs city, MT as Very Low (composite score 2.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (68.4) and flood (9.7). 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 White Sulphur Springs city, MT show little to no average snow and around 13.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 90 for ZIP 59645 (White Sulphur Springs 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.