ZIP Code 59081 — Silver Gate CDP, MT Demographics & Data

ZIP code 59081 covers Silver Gate, MT in Park County with a population of about 94.

At a glance, the area shows median age of 58.1 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.

Silver Gate, MT ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$250,001)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 59081 is about $250,001 — about 233% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 15.6% of adults with a bachelor’s degree or higher (about 18.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Agriculture, and Education; about 81.6% of workers reporting work-from-home (about 66.4 points above the U.S. share (15.2%)); a mean commute of about 7.0 minutes (U.S. average near 26.8).

Median home value is about $562,500 — about 62% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.7% (about 30.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59081 in Silver Gate, MT, a household would need roughly $155,000 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 $3,613. That sits below the local median household income ($250,001), 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 Silver Gate 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 Silver Gate 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 59081 (Silver Gate 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.