Charlo, MT · standard

ZIP Code 59824

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

1,792
8/sq mi
$53,382
Median income
$317,800
Median home value
25.4%
Bachelor's or higher

The verdict

Charlo pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.

19th pct
household income, US ZIPs
Top 31%
home value, US ZIPs
8
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 59824 against every reporting US ZIP.

ZIP code 59824 is classified by USPS as a standard delivery area and covers roughly 232.7 square miles in Charlo, Lake County, Montana. The area is home to 1,792 residents, producing a population density of 8 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 59824 against Montana and the nation.

On the economic side, the median household income for ZIP 59824 sits at $53,382 (24% below the Montana average), while per-capita income is $32,422. The poverty rate stands at 15.5% and the unemployment rate at 2.6%. On housing, the median home value is $317,800 (3% below the state average) with median rent at $846 per month, and 77.9% of occupied units are owner-occupied, a direct signal of whether 59824 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 25.4% of adults hold a bachelor's degree or higher, the median age is 45.8, and the average commute is 31 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Lake County, so you can benchmark 59824 against its immediate geography rather than a national average alone. 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 →

Top industries in ZIP 59824

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 59824.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

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 59824, Charlo, 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

1,792

Population

232.7

Area (sq mi)

8

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 59824?

45.8

Median Age

48.6%

Male

51.4%

Female

2.2%

Foreign-Born

White 59.1%
African American 0.0%
Asian 0.4%
American Indian or Alaska Native 17.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 21.5%
Hispanic or Latino 4.2%

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?

$53,382

Median Household Income

-24% vs state

$32,422

Per Capita Income

15.5%

Poverty Rate

2.6%

Unemployment Rate

30.5 min

Mean Commute Time

How ZIP 59824 ranks nationally

Household income vs. every US ZIP code

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

$53,382 19th percentile higher than 19% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $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 58.0%
Bachelor's Degree or Higher 25.4%

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

What does housing look like?

676

Total Housing Units

596

Occupied Units

80

Vacant Units

2.53

Avg Household Size

Occupancy Type

Owner 77.9%
Renter 22.1%

$317,800

Median Home Value

-3% vs state

$846

Median Rent

1978

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 42 business establishments in ZIP 59824, employing approximately 162 people with a combined annual payroll of $5,280,000.

42

Businesses

162

Employees

$5.3M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Construction 10 23.8%
Transportation and warehousing 5 11.9%
Professional, scientific, and technical services 5 11.9%
Arts, entertainment, and recreation 5 11.9%
Accommodation and food services 4 9.5%
Health care and social assistance 3 7.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 59824 vs 59863 →

ZIP 59824 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 59824 ranks #2 by population — useful context the national average alone can't give.

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

ZIP 59824 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 59824 ranks #3 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
59863 Ravalli, MT 76 7.9 mi
59864 Ronan, MT 6,752 8.5 mi
59831 Dixon, MT 454 12.3 mi

More ZIP Codes in Lake County

Frequently Asked Questions

What county is ZIP code 59824 in?
ZIP code 59824 (Charlo) is located in Lake County, Montana. Lake County contains multiple ZIP codes, see the full list at /counties/lake-mt.
What is the population of ZIP code 59824?
ZIP code 59824 in Charlo, MT has a population of 1,792 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 59824?
The median household income in ZIP 59824 is $53,382, which is 30% below the national average of $76,288.
What is the average home value in ZIP 59824?
The median home value in ZIP 59824 is $317,800, which is 14% above the national average of $278,155.
What is the demographic makeup of ZIP 59824?
The largest racial group in ZIP 59824 is White at 59.1%. Hispanic or Latino residents make up 4.2% of the population.
How many businesses are in ZIP code 59824?
ZIP code 59824 has 42 business establishments employing approximately 162 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 59824?
The top industries by establishment count in ZIP 59824 are: Construction (10), Transportation and warehousing (5), Professional, scientific, and technical services (5). There are 6 industry sectors represented in total.
What is the education level in ZIP code 59824?
In ZIP code 59824, 58.0% of residents aged 25+ have a high school diploma or higher, and 25.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 59824?
The mean commute time for workers in ZIP code 59824 is 30.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 59824?
In ZIP code 59824, approximately 77.9% of occupied housing units are owner-occupied and 22.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 59824?
The poverty rate in ZIP code 59824 is 15.5% 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 Charlo, MT

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