ZIP Code 59448 — Heart Butte CDP, MT Demographics & Data

ZIP code 59448 covers Heart Butte, MT in Pondera County with a population of about 647.

At a glance, the area shows median age of 28.6 versus a U.S. median of about 38.9.

It sits in telephone area code 406; U.S. House district MT-1; the GREAT FALLS media market.

Median household income in ZIP 59448 is about $29,318 — about 61% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 38.4%; unemployment rate near 15.0%; 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 Education, Healthcare, and Retail trade; about 2.8% of workers reporting work-from-home (about 12.4 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 $47,500 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $225 (about 81% below the U.S. median rent ($1,163)), and owner-occupancy near 48.8% (about 16.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59448 in Heart Butte, MT, a household would need roughly $13,000 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 $305. That sits below the local median household income ($29,318), 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 Heart Butte CDP, MT as Very Low (composite score 24.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (70.3) and flood (29.3). 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 Heart Butte CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 34 for ZIP 59448 (Heart Butte 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.