ZIP Code 59074 — Ryegate town, MT Demographics & Data

ZIP code 59074 covers Ryegate, MT in Golden Valley County with a population of about 396.

At a glance, the area shows median age of 62.3 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.

Ryegate, MT fits a retirement-oriented profile (high share of residents 65+ (36.6%)). 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 59074 is about $49,643 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 29.8%; unemployment rate near 1.8%; 12.0% of adults with a bachelor’s degree or higher (about 21.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Food services, and Education; about 15.1% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 141.0 minutes (U.S. average near 26.8).

Median home value is about $131,700 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $571 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 85.9% (about 20.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59074 in Ryegate, MT, a household would need roughly $36,000 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 $846. That sits below the local median household income ($49,643), 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 Ryegate town, MT as Very Low (composite score 1.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (57.4) and flood (5.6). 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 Ryegate town, MT show little to no average snow.

IRS migration statistics show a net inflow of about 21 for ZIP 59074 (Ryegate 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.