ZIP Code 59851 — Bonner-West Riverside CDP, MT Demographics & Data

ZIP code 59851 covers Bonner-West Riverside, MT in Missoula County with a population of about 54.

At a glance, the area shows median age of 51.7 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.

Bonner-West Riverside, MT fits a retirement-oriented profile (high share of residents 65+ (44.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 20.4%; unemployment rate near 0.0%; 44.4% of adults with a bachelor’s degree or higher (about 10.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education and Other services; about 33.3% of workers reporting work-from-home (about 18.1 points above the U.S. share (15.2%)); a mean commute of about 22.0 minutes (U.S. average near 26.8).

Median home value is about $361,500 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.4% (about 9.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59851 in Bonner-West Riverside, MT, a household would need roughly $100,000 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 $2,322. 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 Bonner-West Riverside CDP, MT as Relatively Low (composite score 77.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (95.8) and flood (68.6). 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 Bonner-West Riverside CDP, MT show little to no average snow and around 17.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 59851 (Bonner-West Riverside 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.