ZIP Code 59648 — Milford Colony CDP, MT Demographics & Data

ZIP code 59648 covers Milford Colony, MT in Lewis and Clark County with a population of about 468.

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 HELENA media market.

Milford Colony, 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 59648 is about $68,542 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 0.0%; 19.8% of adults with a bachelor’s degree or higher (about 13.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Agriculture, and Construction; about 14.0% of workers reporting work-from-home (about 1.2 points below the U.S. share (15.2%)); a mean commute of about 153.0 minutes (U.S. average near 26.8).

Median home value is about $321,400 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $729 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59648 in Milford Colony, MT, a household would need roughly $88,000 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 $2,065. That is about 28% above the local median household income ($68,542), 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 Milford Colony CDP, MT as Relatively Low (composite score 71.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (92.8) and flood (64.6). 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 Milford Colony CDP, MT show little to no average snow and around 13.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 25 for ZIP 59648 (Milford Colony 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.