Pablo, MT population, income and ZIP codes

Pablo CDP is a small town in Montana, with 1,808 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #63 of 497 ranked by population — larger than 87% of them. The median age here is 30.9 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 Pablo CDP earn a median of $38,430 a year, 51.1% below the national figure of $78,538 and 39% below the $62,992 median for the 94 Montana cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 29.4% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Pablo CDP is valued at $255,200, 15.9% below the national figure and within a couple of points of the $250,900 peer median, while median gross rent runs $715 a month, 49.1% below the national figure, or roughly $8,580 across a full year. A household on the local median income would put about 22.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.6×, 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. 68% 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 6.6× 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.

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.