ZIP Code 59643 — Toston CDP, MT Demographics & Data

ZIP code 59643 covers Toston, MT in Broadwater County with a population of about 785.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59643 is about $48,321 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.4%; unemployment rate near 0.0%; 11.5% of adults with a bachelor’s degree or higher (about 22.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Other services, and Agriculture; about 15.8% of workers reporting work-from-home (roughly in line with 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 $322,200 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.6% (about 23.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59643 in Toston, MT, a household would need roughly $89,000 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 $2,070. That is about 84% above the local median household income ($48,321), so the median earner would likely stretch or need a larger down payment. 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 Toston CDP, MT as Very Low (composite score 17.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (72.9) and flood (19.1). 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 Toston CDP, MT show little to no average snow and around 10.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 42 for ZIP 59643 (Toston 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.