ZIP Code 59840 — Hamilton city, MT Demographics & Data

ZIP code 59840 covers Hamilton, MT in Ravalli County with a population of about 14,775.

At a glance, the area shows median age of 49.1 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 59840 is about $64,493 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 1.0%; 33.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Other services; about 8.3% of workers reporting work-from-home (about 6.9 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 $398,800 — about 15% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $920 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 68.9% (about 3.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59840 in Hamilton, MT, a household would need roughly $110,000 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 $2,562. That is about 71% above the local median household income ($64,493), 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 Hamilton city, MT as Relatively Low (composite score 78.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.9) and flood (52.0). 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 Hamilton city, MT show little to no average snow and around 13.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 781 for ZIP 59840 (Hamilton 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.