ZIP Code 59868 — Seeley Lake CDP, MT Demographics & Data

ZIP code 59868 covers Seeley Lake, MT in Missoula County with a population of about 1,659.

At a glance, the area shows median age of 63.3 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.

Seeley Lake, MT fits a retirement-oriented profile (high share of residents 65+ (43.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 59868 is about $48,409 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.5%; unemployment rate near 1.5%; 24.1% of adults with a bachelor’s degree or higher (about 9.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Administrative support; about 29.9% of workers reporting work-from-home (about 14.7 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 $286,800 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $911 (about 22% below the U.S. median rent ($1,163)), and owner-occupancy near 91.0% (about 25.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59868 in Seeley Lake, MT, a household would need roughly $79,000 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 $1,842. That is about 63% above the local median household income ($48,409), 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 Seeley Lake 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 Seeley Lake CDP, MT show little to no average snow and around 21.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 88 for ZIP 59868 (Seeley Lake 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.