ZIP Code 59731 — Garrison CDP, MT Demographics & Data

ZIP code 59731 covers Garrison, MT in Powell County with a population of about 215.

At a glance, the area shows median age of 36.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59731 is about $58,750 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 7.5%; 19.3% of adults with a bachelor’s degree or higher (about 14.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 3.3% of workers reporting work-from-home (about 11.9 points below the U.S. share (15.2%)); a mean commute of about 58.0 minutes (U.S. average near 26.8).

Median home value is about $350,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.5% (about 29.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59731 in Garrison, MT, a household would need roughly $96,000 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 $2,248. That is about 63% above the local median household income ($58,750), 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 Garrison CDP, MT as Very Low (composite score 10.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (86.4) and flood (15.8). 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 Garrison CDP, MT show little to no average snow and around 14.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 59731 (Garrison 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.