ZIP Code 59728 — Elliston CDP, MT Demographics & Data

ZIP code 59728 covers Elliston, MT in Powell County with a population of about 394.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

It sits in telephone area code 406; U.S. House district MT-1; the BUTTE - BOZEMAN media market.

Median household income in ZIP 59728 is about $74,792 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 10.8%; 23.9% of adults with a bachelor’s degree or higher (about 9.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Food services; about 23.0% of workers reporting work-from-home (about 7.8 points above the U.S. share (15.2%)); a mean commute of about 154.0 minutes (U.S. average near 26.8).

Median home value is about $397,200 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $642 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 75.5% (about 10.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59728 in Elliston, MT, a household would need roughly $109,000 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 $2,552. That is about 46% above the local median household income ($74,792), 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 Elliston CDP, MT as Very Low (composite score 10.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (86.4) and flood (15.8). 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 Elliston CDP, MT show little to no average snow and around 19.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 59728 (Elliston 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.