ZIP Code 59847 — Lolo CDP, MT Demographics & Data

ZIP code 59847 covers Lolo, MT in Missoula County with a population of about 6,579.

At a glance, the area shows median age of 33.7 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 59847 is about $75,710 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 1.4%; 36.0% of adults with a bachelor’s degree or higher (about 2.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Other services, and Professional services; about 9.8% of workers reporting work-from-home (about 5.4 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 $366,500 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,027 (about 12% below the U.S. median rent ($1,163)), and owner-occupancy near 76.0% (about 10.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59847 in Lolo, MT, a household would need roughly $101,000 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 $2,354. That is about 33% above the local median household income ($75,710), 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 Lolo CDP, 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 Lolo CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 348 for ZIP 59847 (Lolo 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.