ZIP Code 59401 — Great Falls city, MT Demographics & Data

ZIP code 59401 covers Great Falls, MT in Cascade County with a population of about 13,600.

At a glance, the area shows median age of 38.0 (near the U.S. median).

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

Great Falls, MT sits in a university / college context (near university of providence (1.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 59401 is about $53,750 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.8%; unemployment rate near 3.0%; 26.7% of adults with a bachelor’s degree or higher (about 7.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 8.8% of workers reporting work-from-home (about 6.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $206,100 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $706 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 58.5% (about 6.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59401 in Great Falls, MT, a household would need roughly $57,000 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 $1,324. That is roughly in line with the local median household income ($53,750). 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 Great Falls city, MT as Relatively Moderate (composite score 83.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (84.2) and flood (83.4). 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 Great Falls city, MT show little to no average snow and around 15.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 719 for ZIP 59401 (Great Falls city, 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.