ZIP Code 59054 — Melstone town, MT Demographics & Data

ZIP code 59054 covers Melstone, MT in Rosebud County with a population of about 236.

At a glance, the area shows median age of 54.3 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 59054 is about $52,708 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 3.2%; 17.6% of adults with a bachelor’s degree or higher (about 16.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Healthcare; about 16.8% of workers reporting work-from-home (about 1.6 points above the U.S. share (15.2%)); a mean commute of about 99.0 minutes (U.S. average near 26.8).

Median home value is about $184,400 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $441 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 86.8% (about 21.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59054 in Melstone, MT, a household would need roughly $51,000 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 $1,185. That is roughly in line with the local median household income ($52,708). 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 Melstone town, MT as Relatively Low (composite score 49.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (95.0) and flood (56.5). 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 Melstone town, MT show little to no average snow and around 15.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 12 for ZIP 59054 (Melstone town, 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.