ZIP Code 59802 — Missoula city, MT Demographics & Data

ZIP code 59802 covers Missoula, MT in Missoula County with a population of about 19,832.

At a glance, the area shows median age of 37.2 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59802 is about $65,054 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.7%; unemployment rate near 4.5%; 51.8% of adults with a bachelor’s degree or higher (about 18.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 15.0% of workers reporting work-from-home (roughly in line with 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 $420,200 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $932 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 52.6% (about 12.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59802 in Missoula, MT, a household would need roughly $116,000 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 $2,699. That is about 78% above the local median household income ($65,054), 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 Missoula city, MT as Relatively Low (composite score 77.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (95.8) and flood (68.6). 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 Missoula city, MT show little to no average snow and around 17.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,049 for ZIP 59802 (Missoula 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.