ZIP Code 59912 — Columbia Falls city, MT Demographics & Data

ZIP code 59912 covers Columbia Falls, MT in Flathead County with a population of about 15,745.

At a glance, the area shows median age of 41.0 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 59912 is about $73,515 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 3.1%; 30.8% of adults with a bachelor’s degree or higher (about 3.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Food services; about 15.7% 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 $438,000 — about 26% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $810 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 77.4% (about 12.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59912 in Columbia Falls, MT, a household would need roughly $121,000 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 $2,814. That is about 65% above the local median household income ($73,515), 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 Columbia Falls city, MT as Relatively Moderate (composite score 86.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (95.5) and flood (79.8). 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 Columbia Falls city, MT show little to no average snow and around 34.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 833 for ZIP 59912 (Columbia Falls 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.