ZIP Code 59020 — Cooke City CDP, MT Demographics & Data

ZIP code 59020 covers Cooke City, MT in Park County with a population of about 97.

At a glance, the area shows median age of 43.8 versus a U.S. median of about 38.9.

It sits in telephone area code 406; U.S. House district MT-2; the BILLINGS media market.

Median household income in ZIP 59020 is about $42,500 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.4%; unemployment rate near 0.0%; 41.0% of adults with a bachelor’s degree or higher (about 7.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Administrative support; about 10.4% of workers reporting work-from-home (about 4.8 points below the U.S. share (15.2%)); a mean commute of about 43.0 minutes (U.S. average near 26.8).

Median home value is about $362,500 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $986 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 48.2% (about 17.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59020 in Cooke City, MT, a household would need roughly $100,000 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 $2,329. That is about 135% above the local median household income ($42,500), 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 Cooke City CDP, MT as Relatively Low (composite score 66.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (93.5) and flood (55.6). 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 Cooke City CDP, MT show little to no average snow and around 26.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 59020 (Cooke City 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.