ZIP Code 59824 — Kicking Horse CDP, MT Demographics & Data

ZIP code 59824 covers Kicking Horse, MT in Lake County with a population of about 1,453.

At a glance, the area shows median age of 49.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59824 is about $62,500 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.4%; unemployment rate near 1.3%; 26.8% of adults with a bachelor’s degree or higher (about 6.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Education; about 23.6% of workers reporting work-from-home (about 8.4 points above 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 $325,000 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $688 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59824 in Kicking Horse, 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 $2,088. That is about 42% above the local median household income ($62,500), 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 Kicking Horse CDP, MT as Relatively Low (composite score 67.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (92.7) and flood (57.2). 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 Kicking Horse CDP, MT show little to no average snow and around 16.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 77 for ZIP 59824 (Kicking Horse 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.