ZIP Code 59866 — St. Regis CDP, MT Demographics & Data

ZIP code 59866 covers St. Regis, MT in Mineral County with a population of about 1,152.

At a glance, the area shows median age of 39.1 (near the U.S. median).

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

Median household income in ZIP 59866 is about $70,536 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 1.6%; 39.2% of adults with a bachelor’s degree or higher (about 5.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Real estate, and Food services; about 17.1% of workers reporting work-from-home (about 1.9 points above 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 $319,700 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $584 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 76.7% (about 11.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59866 in St. Regis, 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 $2,054. That is about 25% above the local median household income ($70,536), 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 St. Regis CDP, MT as Very Low (composite score 7.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (85.6) and flood (16.0). 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 St. Regis CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 61 for ZIP 59866 (St. Regis 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.