ZIP Code 59485 — Ulm CDP, MT Demographics & Data

ZIP code 59485 covers Ulm, MT in Cascade County with a population of about 767.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59485 is about $88,292 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 1.5%; 32.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Agriculture; about 13.3% of workers reporting work-from-home (about 1.8 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 $289,000 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,200 (about 89% above the U.S. median rent ($1,163)), and owner-occupancy near 91.6% (about 26.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59485 in Ulm, MT, a household would need roughly $80,000 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 $1,856. That is roughly in line with the local median household income ($88,292). 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 Ulm CDP, 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 Ulm CDP, MT show little to no average snow and around 13.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 59485 (Ulm 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.