ZIP Code 59638 — Jefferson City CDP, MT Demographics & Data

ZIP code 59638 covers Jefferson City, MT in Jefferson County with a population of about 511.

At a glance, the area shows median age of 52.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59638 is about $73,375 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 0.0%; 31.3% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Other services, and Construction; 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 155.0 minutes (U.S. average near 26.8).

Median home value is about $269,000 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.6% (about 32.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59638 in Jefferson City, MT, a household would need roughly $74,000 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 $1,728. That is roughly in line with the local median household income ($73,375). 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 Jefferson City CDP, MT as Very Low (composite score 21.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (89.1) and flood (29.4). 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 Jefferson City CDP, MT show little to no average snow and around 17.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 59638 (Jefferson City 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.