PlainZIP

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
$44,980
Median income
$272,000
Median home value
18.8%
Bachelor's or higher

The verdict

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.

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 Montana average), while per-capita income is $30,132. Poverty here runs at 15.3%, with unemployment measured at 5.2%. Housing costs here run $272,000 for a typical home value (17% below the state average), with rent averaging $665 a month; 72.0% of homes are owner-occupied.

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 -. Use the benchmarks above to see where 59923 sits relative to Montana and the national baseline rather than viewing the numbers in isolation.

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.

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 + 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

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 59923?

54.4

Median Age

50.9%

Male

49.1%

Female

3.2%

Foreign-Born

White 90.0%
African American 0.1%
Asian 0.3%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.1%
Hispanic or Latino 3.8%

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

$30,132

Per Capita Income

15.3%

Poverty Rate

5.2%

Unemployment Rate

How ZIP 59923 ranks nationally

Libby, MT household income vs. every US ZIP code

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

$44,980 9th percentile higher than 9% 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 56.0%
Bachelor's Degree or Higher 18.8%

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

What does housing look like?

5,343

Total Housing Units

4,847

Occupied Units

496

Vacant Units

2.12

Avg Household Size

Occupancy Type

Owner 72.0%
Renter 28.0%

$272,000

Median Home Value

-17% vs state

$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.

More ZIP Codes in Lincoln County

59917 standard
Eureka, MT
Pop: 4,225
59935 standard
Troy, MT
Pop: 3,576
59930 standard
Rexford, MT
Pop: 867
59918 standard
Fortine, MT
Pop: 592
59934 standard
Trego, MT
Pop: 528
59933 standard
Stryker, MT
Pop: 43

Related Areas

Lincoln County Libby, MT Montana

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.

Read our methodology to see how this data is sourced, computed, and verified.