ZIP Code 59911 — Bigfork CDP, MT Demographics & Data

ZIP code 59911 covers Bigfork, MT in Lake County with a population of about 9,316.

At a glance, the area shows median age of 54.3 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 59911 is about $81,846 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 2.4%; 50.5% of adults with a bachelor’s degree or higher (about 16.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Construction; about 17.3% of workers reporting work-from-home (about 2.1 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 $608,000 — about 75% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $919 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 85.0% (about 19.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59911 in Bigfork, MT, a household would need roughly $167,000 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 $3,906. That is about 104% above the local median household income ($81,846), 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 Bigfork 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 Bigfork CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 493 for ZIP 59911 (Bigfork 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.