Finley Point, MT population, income and ZIP codes

Finley Point CDP is a very small community in Montana, with 436 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #165 of 497 ranked by population — larger than 66% of them. The median age here is 61.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Finley Point CDP earn a median of $34,519 a year, 56% below the national figure of $78,538 and 45% below the $62,992 median for the 94 Montana cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 14.2% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Finley Point CDP is valued at $428,700, 41.3% above the national figure and 71% above the $250,900 peer median, while median gross rent runs $925 a month, 34.2% below the national figure, or roughly $11,100 across a full year. A household on the local median income would put about 32.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 12.4×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 76.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 12.4× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 61.9 puts Finley Point CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.