ZIP Code 05904 — Gilman CDP, VT Demographics & Data

ZIP code 05904 covers Gilman, VT in Essex County with a population of about 187.

At a glance, the area shows median age of 55.6 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Gilman, VT 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 05904 is about $45,000 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 0.0%; 19.7% of adults with a bachelor’s degree or higher (about 14.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Education, and Retail trade; a mean commute of about 80.0 minutes (U.S. average near 26.8).

Median home value is about $127,800 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $923 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 68.5% (about 3.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05904 in Gilman, VT, a household would need roughly $35,000 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 $821. That sits below the local median household income ($45,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Gilman CDP, VT as Very Low (composite score 3.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (56.4) and flood (15.4). 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 Gilman CDP, VT show little to no average snow and around 41.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 05904 (Gilman CDP, VT) 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.