59081 ZIP Code
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ZIP code 59081 covers Silver Gate, Montana, with a median household income of $250,000.
- Median age
- 58.119.4 points above the US average
- Median household income
- $250,000+3.6× the Montana median
- Poverty rate
- 0%12.4 points below the US average
- Typical home value
- $673,634up 21.2% in five years
- Degree or higher
- 15.6%19.4 points below the US average
- Homeownership
- 95.7%30.7 points above the US average
- Time zone
- Mountain UTC-07:00observes daylight saving time
- Businesses
- 7
Where 59081 is
Silver Gate, Montana — the area the Census Bureau draws for this ZIP code. ZIP codes are sets of delivery routes rather than areas, so this is the Census approximation of one, not a Postal Service boundary.
People and households
American Community Survey 2019–2023 five-year estimates
| Median age | 58.1 |
|---|---|
| Family households | 80.4% |
| Born outside the US | 0% |
| Speaks a language other than English at home | 1.1% |
| White (non-Hispanic) | 98.9% |
| Black (non-Hispanic) | 0% |
| Asian (non-Hispanic) | 0% |
| Hispanic or Latino | 1.1% |
| Veterans | 6.7% |
Income and poverty
American Community Survey 2019–2023 five-year estimates
| Median household income | $250,000+ |
|---|---|
| Income per person | $102,550 |
| Poverty rate | 0% |
| Households on SNAP or cash assistance | 0% |
Household income distribution
| Under $10k | |
|---|---|
| $10–15k | |
| $15–20k | |
| $20–25k | |
| $25–30k | |
| $30–35k | |
| $35–40k | |
| $40–45k | |
| $45–50k | |
| $50–60k | |
| $60–75k | |
| $75–100k | |
| $100–125k | |
| $125–150k | |
| $150–200k | |
| $200k or more |
Housing
American Community Survey 2019–2023 five-year estimates
| Median home value | $562,500 |
|---|---|
| Owner-occupied | 95.7% |
| Vacant homes | 74.4% |
| Median year built | 1976 |
What the homes are
| Detached house |
|---|
Home values and rents today
Zillow Home Value Index and Zillow Observed Rent Index, courtesy of Zillow. Monthly and current, where the Census figures above are a five-year average and are capped at $2,000,000.
| Typical home value | $673,634as of 2026-07 |
|---|---|
| Typical home value, 1 year | up 2.2% |
| Typical home value, 5 years | up 21.2% |
| Typical home value, 10 years | up 97.5% |
$254,918 in 2013 to $673,634 in 2026.
Work, commuting and education
American Community Survey 2019–2023 five-year estimates
| Unemployment rate | 0% |
|---|---|
| Bachelor's degree or higher | 15.6% |
| High school diploma or higher | 100% |
| Works from home | 81.6% |
| Drives to work alone | 7.9% |
| Takes public transport | 0% |
Business and employment
Census ZIP Code Business Patterns 2022
| Business establishments | 7 |
|---|---|
| People employed | 12 |
| Annual payroll | $443,000 |
Natural hazard risk
FEMA National Risk Index, estimated for this ZIP code from census tract data — the NRI is not published per ZIP.
| Overall risk | Higher than 99.5% of US census tracts |
|---|---|
| FEMA rating | Very High |
| Expected annual loss | 99.7 out of 100 |
| Community resilience | 74.2 out of 100 |
By hazard
Score is out of 100 and is the area-weighted average across the census tracts this ZIP code covers. The rating beside it is the highest any one of those tracts carries.
| Landslide | 99.2Relatively Moderate at its worst in this ZIP code |
|---|---|
| Avalanche | 98.9Very High at its worst in this ZIP code |
| Wildfire | 98.4Relatively High at its worst in this ZIP code |
| Winter weather | 92.9Relatively High at its worst in this ZIP code |
| River flooding | 83.4Relatively High at its worst in this ZIP code |
| Lightning | 80.8Relatively High at its worst in this ZIP code |
| Earthquake | 79.2Relatively Moderate at its worst in this ZIP code |
| Drought | 74.2Very Low at its worst in this ZIP code |
| Hail | 62.4Relatively Low at its worst in this ZIP code |
| Cold wave | 48.5Relatively Moderate at its worst in this ZIP code |
| Volcanic activity | 42.7Very Low at its worst in this ZIP code |
| Tornado | 24.5Very Low at its worst in this ZIP code |
| Strong wind | 21.9Relatively Low at its worst in this ZIP code |
| Ice storm | 7.5Very Low at its worst in this ZIP code |
| Heat wave | 2.3Very Low at its worst in this ZIP code |
Compared with Montana and the United States
State and national columns are figures for those areas, not for this ZIP code. American Community Survey 2019–2023 five-year estimates
| This ZIP | Montana | United States | |
|---|---|---|---|
| Median household income | $250,000+ | $69,922 | $78,538 |
| Income per person | $102,550 | $39,842 | $43,289 |
| Poverty rate | 0% | 12% | 12.4% |
| Median home value | $562,500 | $338,100 | $303,400 |
| Median gross rent | — | $1,031 | $1,348 |
| Homeownership | 95.7% | 69.4% | 65% |
| Bachelor's degree or higher | 15.6% | 34.5% | 35% |
| Unemployment rate | 0% | 3.8% | 5.2% |
| Works from home | 81.6% | 11.6% | 13.5% |
| Born outside the US | 0% | 2.3% | 13.9% |
| Median age | 58.1 | 40.2 | 38.7 |
Climate
NOAA US Climate Normals 1991-2020, from the nearest weather station with a full year of records. The station and its distance are named above, because a station forty kilometres away describes somewhere else.
| Weather station | COOKE CITY 2 W, MT US0.7 km away |
|---|---|
| Rain in a year | 27 in |
| Snow in a year | 213 in |
Average high and low by month
| January | 24.2°F / 5.8°F2.23 in rain, 38.8 in snow |
|---|---|
| February | 28.6°F / 7.4°F2.04 in rain, 29.7 in snow |
| March | 36.9°F / 13.7°F1.94 in rain, 31 in snow |
| April | 43.4°F / 21°F2.29 in rain, 22.4 in snow |
| May | 53.5°F / 28.4°F2.85 in rain, 9 in snow |
| June | 63.9°F / 34.5°F3.16 in rain, 3.4 in snow |
| July | 73.7°F / 38.9°F1.97 in rain |
| August | 71.1°F / 37.7°F1.82 in rain |
| September | 62°F / 31.2°F1.74 in rain, 1 in snow |
| October | 47°F / 24.1°F2.23 in rain, 13.4 in snow |
| November | 30.9°F / 13.3°F2.17 in rain, 26.5 in snow |
| December | 22.4°F / 6.3°F2.13 in rain, 37.9 in snow |
Access to food
USDA Food Access Research Atlas, estimated for this ZIP code from census tract data. Each figure is the share of the ZIP code's land area that falls in a tract carrying that flag.
| Low income and far from a supermarket | None of this ZIP code |
|---|---|
| Far from a supermarket | None of this ZIP code |
| No vehicle and far from a supermarket | None of this ZIP code |
School districts
NCES Geographic Relationship File 2025, which states the association between each district and each ZIP code tabulation area directly. Elementary and secondary districts can cover the same ground, so shares need not total 100%.
This ZIP code is served by 2 school districts, so the address decides which one, not the ZIP code.
| Cooke City Elementary School District | 50% of this ZIP code's land area |
|---|---|
| Gardiner High School District | 50% of this ZIP code's land area |
Community and walkability
CDC/ATSDR Social Vulnerability Index 2022 and the EPA National Walkability Index, both estimated for this ZIP code from census tract data. Vulnerability figures are national percentile ranks, not measurements.
| Overall social vulnerability | 29more vulnerable than 29% of US census tracts |
|---|---|
| Socioeconomic status | 33more vulnerable than 33% of US census tracts |
| Household characteristics | 12more vulnerable than 12% of US census tracts |
| Racial and ethnic minority status | 24more vulnerable than 24% of US census tracts |
| Housing type and transport | 57more vulnerable than 57% of US census tracts |
| Walkability | 5.1 out of 20Least walkable |
Nearby ZIP codes
The closest ZIP codes by centre point, which is not the same as sharing a border.
| 59020 Cooke City, MT | 6.5 km away |
|---|---|
| 59071 Roscoe, MT | 44.1 km away |
| 59061 Nye, MT | 50.1 km away |
| 59028 Fishtail, MT | 54.2 km away |
Location, counties and time zone
County shares from Census 2020 ZCTA relationship files. Time zone from the USDOT National Transportation Atlas, which renders the boundaries written into 49 CFR Part 71.
| Park County | 100% of this ZIP code's land area |
|---|---|
| Time zone | Mountain (UTC-07:00 standard) |
| Daylight saving time | Observed |
| Land area | 4.36 sq mi |
| Latitude, longitude | 45.0046, -109.9854 |
Figures are published for this ZIP code or its Census tabulation area unless a section says otherwise. Estimates whose margin of error made them unreliable are omitted rather than shown. Sources: US Census Bureau, CDC, IRS.