Polson, MT population, income and ZIP codes

Polson city is a mid-size town in Montana, with 5,334 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #23 of 497 ranked by population — larger than 95% of them. The median age here is 42.9 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Polson city earn a median of $51,463 a year, 34.5% below the national figure of $78,538 and 18% below the $62,992 median for the 94 Montana cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 20% 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 Polson city is valued at $321,000, 5.8% above the national figure and 28% above the $250,900 peer median, while median gross rent runs $921 a month, 34.5% below the national figure, or roughly $11,052 across a full year. A household on the local median income would put about 21.5% 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 6.2×, 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. 52.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.2× 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.