ZIP Code 59935 — Yaak CDP, MT Demographics & Data

ZIP code 59935 covers Yaak, MT in Lincoln County with a population of about 3,359.

At a glance, the area shows median age of 51.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59935 is about $37,130 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.1%; unemployment rate near 3.7%; 14.7% of adults with a bachelor’s degree or higher (about 19.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Agriculture, and Public administration; about 10.5% of workers reporting work-from-home (about 4.7 points below 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 $278,800 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $654 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 84.8% (about 19.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59935 in Yaak, MT, a household would need roughly $77,000 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 $1,791. That is about 107% above the local median household income ($37,130), 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 Yaak CDP, MT as Relatively Low (composite score 64.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (96.6) and flood (65.5). 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 Yaak CDP, MT show little to no average snow and around 24.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 178 for ZIP 59935 (Yaak 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.