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 classified by USPS as a standard delivery area and covers roughly 3520.0 square miles in Libby, Lincoln County, Montana. The area is home to 9,856 residents, producing a population density of 3 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 59923 against Montana and the nation.
On the economic side, the median household income for ZIP 59923 sits at $44,980 (36% below the Montana average), while per-capita income is $30,132. The poverty rate stands at 15.3% and the unemployment rate at 5.2%. On housing, the median home value is $272,000 (17% below the state average) with median rent at $665 per month, and 72.0% of occupied units are owner-occupied, a direct signal of whether 59923 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 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 59923
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$30,132
Per Capita Income
15.3%
Poverty Rate
5.2%
Unemployment Rate
How ZIP 59923 ranks nationally
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
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?
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
$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
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Frequently Asked Questions
What county is ZIP code 59923 in? ▼
What is the population of ZIP code 59923? ▼
What is the median household income in ZIP 59923? ▼
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What is the demographic makeup of ZIP 59923? ▼
How many businesses are in ZIP code 59923? ▼
What are the main industries in ZIP code 59923? ▼
How have home values changed in ZIP code 59923? ▼
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What percentage of residents own vs. rent in ZIP 59923? ▼
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ZIP Code Research Guides
Official Data Resources for Libby, MT
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.