ZIP Code 59927 — Olney CDP, MT Demographics & Data

ZIP code 59927 covers Olney, MT in Flathead County with a population of about 295.

At a glance, the area shows median age of 55.1 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.

Olney, MT fits a retirement-oriented profile (older median age or known retirement-community context). 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 59927 is about $58,750 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 0.0%; 43.3% of adults with a bachelor’s degree or higher (about 9.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Healthcare; about 42.8% of workers reporting work-from-home (about 27.6 points above the U.S. share (15.2%)); a mean commute of about 83.0 minutes (U.S. average near 26.8).

Median home value is about $528,200 — about 52% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 64.1% (about 1.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59927 in Olney, MT, a household would need roughly $145,000 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 $3,393. That is about 147% above the local median household income ($58,750), 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 Olney CDP, 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 Olney CDP, MT show little to no average snow and around 20.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 59927 (Olney 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.