ZIP code 59912

ZIP 59912 is a mid-size town in Flathead County, Montana, with 15,745 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #18 of 369 ranked by population — larger than 95% of them. The median age here is 41 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 ZIP 59912 earn a median of $73,515 a year, 6.4% below the national figure of $78,538. 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 9.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 59912 is valued at $438,000, 44.4% above the national figure, while median gross rent runs $1,052 a month, 25.2% below the national figure, or roughly $12,624 across a full year. A household on the local median income would put about 17.2% 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×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 77.4% 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.

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 59912 is tabulated inside Flathead County, Montana, one of 14 ZIP areas the Census publishes for that county and 369 across Montana. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 59912 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 59912 reports a median household income of $73,515, 12% above the $65,728 county median, and 14% above the $64,375 typical MT ZIP. Owner-occupied homes are valued at a median of $438,000, 18% below the county figure and 63% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,052 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 59912 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 59912 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.