ZIP code 59840

ZIP 59840 is a mid-size town in Ravalli County, Montana, with 14,775 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #19 of 369 ranked by population — larger than 95% of them. The median age here is 49.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 ZIP 59840 earn a median of $64,493 a year, 17.9% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 10.2% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 59840 is valued at $398,800, 31.4% above the national figure, while median gross rent runs $1,054 a month, 25% below the national figure, or roughly $12,648 across a full year. A household on the local median income would put about 19.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. 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. 68.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.

ZIP 59840 is tabulated inside Ravalli County, Montana, one of 9 ZIP areas the Census publishes for that county and 369 across Montana. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 59840 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 59840 reports a median household income of $64,493, 8% below the $70,417 county median, and close to the $64,375 typical MT ZIP. Owner-occupied homes are valued at a median of $398,800, 10% below the county figure and 49% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,054 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Montana charges 0% statewide, and local governments overlapping 59840 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 59840 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.