Whitewater, MT · standard

ZIP Code 59544

Phillips County, Montana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

175
0/sq mi
$39,583
Median income
$250,000
Median home value
23.9%
Bachelor's or higher

The verdict

Whitewater pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.

5th pct
household income, US ZIPs
Top 43%
home value, US ZIPs
0
people per sq mi
47%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 59544 against every reporting US ZIP.

ZIP code 59544 is classified by USPS as a standard delivery area and covers roughly 1750.0 square miles in Whitewater, Phillips County, Montana. The area is home to 175 residents, producing a population density of 0 people per square mile, and falls within the Denver time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 59544 against Montana and the nation.

On the economic side, the median household income for ZIP 59544 sits at $39,583 (43% below the Montana average), while per-capita income is $25,636. The poverty rate stands at 18.9% and the unemployment rate at 4.8%. On housing, the median home value is $250,000 (23% below the state average) with median rent at $270 per month, and 46.7% of occupied units are owner-occupied, a direct signal of whether 59544 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 23.9% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is . Use the benchmarks above to see where 59544 sits relative to Montana and the national baseline rather than viewing the numbers in isolation. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 59544, Whitewater, MT · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

175

Population

1750.0

Area (sq mi)

0

People / sq mi

Denver

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 59544?

40.1

Median Age

46.4%

Male

53.6%

Female

1.9%

Foreign-Born

White 77.3%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 8.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.5%
Hispanic or Latino 0.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$39,583

Median Household Income

-43% vs state

$25,636

Per Capita Income

18.9%

Poverty Rate

4.8%

Unemployment Rate

How ZIP 59544 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$39,583 5th percentile higher than 5% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.3%
Bachelor's Degree or Higher 23.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

124

Total Housing Units

90

Occupied Units

34

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 46.7%
Renter 53.3%

$250,000

Median Home Value

-23% vs state

$270

Median Rent

1981

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

More ZIP Codes in Phillips County

Frequently Asked Questions

What county is ZIP code 59544 in?
ZIP code 59544 (Whitewater) is located in Phillips County, Montana. Phillips County contains multiple ZIP codes, see the full list at /counties/phillips-mt.
What is the population of ZIP code 59544?
ZIP code 59544 in Whitewater, MT has a population of 175 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 59544?
The median household income in ZIP 59544 is $39,583, which is 48% below the national average of $76,288.
What is the average home value in ZIP 59544?
The median home value in ZIP 59544 is $250,000, which is 10% below the national average of $278,155.
What is the demographic makeup of ZIP 59544?
The largest racial group in ZIP 59544 is White at 77.3%.
What is the education level in ZIP code 59544?
In ZIP code 59544, 54.3% of residents aged 25+ have a high school diploma or higher, and 23.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 59544?
In ZIP code 59544, approximately 46.7% of occupied housing units are owner-occupied and 53.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 59544?
The poverty rate in ZIP code 59544 is 18.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Whitewater, MT

Verify and explore additional data for this area using these official government sources.