ZIP Code 59845 — Niarada CDP, MT Demographics & Data

ZIP code 59845 covers Niarada, MT in Sanders County with a population of about 1,228.

At a glance, the area shows median age of 52.3 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 59845 is about $31,458 — about 58% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.6%; unemployment rate near 9.0%; 20.5% of adults with a bachelor’s degree or higher (about 13.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Food services; about 21.8% of workers reporting work-from-home (about 6.6 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 $174,200 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $521 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 69.7% (about 4.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59845 in Niarada, MT, a household would need roughly $48,000 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 $1,119. That is about 53% above the local median household income ($31,458), 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 Niarada CDP, MT as Relatively Low (composite score 47.4), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (91.2) and flood (61.9). 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 Niarada CDP, MT show little to no average snow and around 15.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 65 for ZIP 59845 (Niarada 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.