Libby, MT · standard
ZIP Code 59923
Lincoln County, Montana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,856
- 3/sq mi Low-density area
- $44,980
- Median income Below-median income area
- $272,000
- Median home value Near-median home value
- 18.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Libby pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.
- 9th pct
- household income, US ZIPs
- Top 38%
- home value, US ZIPs
- 3
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 59923 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 59923 (Libby, MT) rose +3.1% from 2023 to 2024. The all-transactions index moved from 385.6 in 2023 to 397.4 in 2024 (2000 = 100).
ZIP code 59923 is a mid-sized community (a standard USPS delivery area) in Libby, Lincoln County, Montana, home to 9,856 residents across 3520.0 square miles, a density of 3 people per square mile, in the Denver time zone.
ZIP 59923 reports a modest median household income of $44,980 (36% below the average Montana ZIP), while per-capita income is $30,132. The poverty rate is 15.3%, with unemployment at 5.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $272,000 (17% below the average Montana ZIP), and median rent is $665; owner occupancy is 72.0%.
Educational attainment sits below the national norm: 18.8% of adults hold a bachelor's degree or higher, the median age is 54.4, and the average commute is -. No nearby ZIP peer set is available for this delivery area, so the Montana and national benchmarks above are the appropriate context for 59923.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 59923
Top 5 sectors by establishment count in Libby, MT
Which industries have the most business establishments in ZIP 59923.
- Retail trade
Retail trade
48 establishments
- Construction
Construction
44 establishments
- Health care and social assistance
Health care and social assistance
37 establishments
- Accommodation and food services
Accommodation and food services
34 establishments
- Other services (except public administration)
Other services (except public administration)
28 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 59923, Libby, MT · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
9,856
Population
3520.0
Area (sq mi)
3
People / sq mi
Denver
Time Zone
standard
ZIP Type
Who lives in ZIP 59923?
54.4
Median Age
50.9%
Male
49.1%
Female
3.2%
Foreign-Born
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?
$44,980
Median Household Income
-36% vs state ZIP avg
$30,132
Per Capita Income
15.3%
Poverty Rate
5.2%
Unemployment Rate
How ZIP 59923 ranks among Montana ZIPs
Libby, MT household income vs. every Montana ZIP code
Median household income among 321 reporting Montana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$44,980 10th percentile higher than 10% of 321 Montana ZIPs
Each bar is a $20K-wide band; taller bars hold more Montana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,343housing units
5,343
Total Housing Units
4,847
Occupied Units
496
Vacant Units
2.12
Avg Household Size
Occupancy Type
$272,000
Median Home Value
-17% vs state ZIP avg
$665
Median Rent
1974
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.1%
YoY Change (2024)
397
HPI Index (2000 = 100)
+297%
Total Change Since 2000
Home values in ZIP 59923 have increased 3.1% over the past year (2024). Since 2000, this ZIP has seen +297% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.6% | 253 |
| 2021 | +22.5% | 310 |
| 2022 | +18.6% | 367 |
| 2023 | +5.0% | 386 |
| 2024 | +3.1% | 397 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 315 business establishments in ZIP 59923, employing approximately 2,569 people with a combined annual payroll of $98,822,000.
315
Businesses
2,569
Employees
$98.8M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 48 | 15.2% |
| Construction | 44 | 14.0% |
| Health care and social assistance | 37 | 11.8% |
| Accommodation and food services | 34 | 10.8% |
| Other services (except public administration) | 28 | 8.9% |
| Professional, scientific, and technical services | 18 | 5.7% |
| Agriculture, forestry, fishing and hunting | 16 | 5.1% |
| Manufacturing | 14 | 4.4% |
| Administrative and support and waste management and remediation services | 13 | 4.1% |
| Arts, entertainment, and recreation | 12 | 3.8% |
| Finance and insurance | 11 | 3.5% |
| Real estate and rental and leasing | 11 | 3.5% |
| Transportation and warehousing | 10 | 3.2% |
| Information | 8 | 2.5% |
| Wholesale trade | 6 | 1.9% |
| Educational services | 4 | 1.3% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 59923, both outside MT so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,856 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lincoln County
Related Areas
Frequently Asked Questions
What county is ZIP code 59923 in?
ZIP code 59923 (Libby) is located in Lincoln County, Montana. Lincoln County contains multiple ZIP codes, see the full list at /counties/lincoln-mt.
What is the population of ZIP code 59923?
ZIP code 59923 in Libby, MT has a population of 9,856 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 59923?
The median household income in ZIP 59923 is $44,980, which is 41% below the national average of $76,288.
What is the average home value in ZIP 59923?
The median home value in ZIP 59923 is $272,000, which is 2% below the national average of $278,155.
What is the demographic makeup of ZIP 59923?
The largest racial group in ZIP 59923 is White at 90.0%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 59923?
ZIP code 59923 has 315 business establishments employing approximately 2,569 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 59923?
The top industries by establishment count in ZIP 59923 are: Retail trade (48), Construction (44), Health care and social assistance (37). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 59923?
According to the FHFA House Price Index, home values in ZIP 59923 increased by 3.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 297%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 59923?
In ZIP code 59923, 56.0% of residents aged 25+ have a high school diploma or higher, and 18.8% 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 59923?
In ZIP code 59923, approximately 72.0% of occupied housing units are owner-occupied and 28.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 59923?
The poverty rate in ZIP code 59923 is 15.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 59923's numbers, next.
- See how ZIP 59923 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Libby, MT ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.