ZIP Code 59258 — Reserve CDP, MT Demographics & Data

ZIP code 59258 covers Reserve, MT in Sheridan County with a population of about 188.

At a glance, the area shows median age of 41.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59258 is about $140,000 — about 86% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.7%; unemployment rate near 0.0%; 22.5% of adults with a bachelor’s degree or higher (about 11.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Agriculture, and Retail trade; about 0.9% of workers reporting work-from-home (about 14.3 points below the U.S. share (15.2%)); a mean commute of about 107.0 minutes (U.S. average near 26.8).

Median home value is about $137,500 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 61.8% (about 3.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59258 in Reserve, MT, a household would need roughly $38,000 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 $883. That sits below the local median household income ($140,000), 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 Reserve CDP, MT as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (51.2) and flood (13.3). 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 Reserve CDP, MT show little to no average snow and around 14.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 59258 (Reserve 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.