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Montana ZIP Codes
Lake County
Charlo, MT
59824
59824 ZIP Code — Charlo, MT
Lake County, Montana
ZIP code 59824 is located in
Charlo ,
Montana ,
within Lake County .
It covers approximately 93.49 square miles and serves a population of
1,520 residents.
This is a standard ZIP code in the Mountain (MT) timezone,
served by area code 406 .
About ZIP code 59824
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $267,100. Owner-occupancy is high at 78%, well above the national average.
Median household income is $61,154. 43% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.
Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.
18% of residents lack health insurance, above the national average.
Overall, ZIP code 59824 reflects a community defined by high homeownership and a significant Social Security-dependent population.
59824 ZIP code map
View map of 59824
Cities in ZIP code 59824
Below are the cities the US Postal Service accepts for ZIP code 59824. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
1,520
Population density
16 / sq mi
State FIPS
30
County FIPS
047
Geography
Land area
93.49 sq mi
Water area
4.65 sq mi
Latitude
47.4280
Longitude
-114.1833
Timezone
Mountain (MT)
Area code
406
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
48.5%
50.0%
44.2%
$50k – $100k
32.1%
30.3%
32.0%
$100k – $200k
17.0%
16.9%
19.2%
Over $200k
2.4%
2.8%
4.7%
Demographics & statistics
$61,154
Median household income
$267,100
Median home value
23.7%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 282 18.6% 18 and over 1,238 81.4% 65 and over 370 24.3% Median age 47.9 years
Race & ethnicity
American Indian / Alaska Native
12.9%
Black or African American
0.4%
Group Count % White 971 60.8% Two or more races 311 19.5% American Indian / Alaska Native 206 12.9% Hispanic or Latino 77 4.8% Other race 21 1.3% Black or African American 6 0.4% Asian 5 0.3%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
48.5%
50.0%
44.2%
$50k – $100k
32.1%
30.3%
32.0%
$100k – $200k
17.0%
16.9%
19.2%
Over $200k
2.4%
2.8%
4.7%
Range % of households Under $10k 9.2% $10k–$15k 2.5% $15k–$25k 11.2% $25k–$35k 8.6% $35k–$50k 12.2% $50k–$75k 21.0% $75k–$100k 12.4% $100k–$150k 12.7% $150k–$200k 4.9% $200k+ 5.3% Median income $61,154
Housing
Housing overview
Metric Value Median home value $267,100 Median rent / month $842 Owner occupied 77.8% Renter occupied 22.2% Vacant 14.4% Single-family detached 72.0% Large apartment buildings 0.0% Mobile homes 22.8% Median rooms 5.8 Avg household size (owned) 2.56
Year built
Era % 2020 or later 0.4% 2010–2019 1.9% 2000–2009 15.8% 1990–1999 13.4% 1980–1989 17.0% 1970–1979 22.8% 1960–1969 6.7% 1950–1959 3.3% 1940–1949 6.7% 1939 or earlier 12.0%
Bedrooms
Size % of units No bedroom (studio) 0.7% 1 bedroom 2.3% 2 bedrooms 34.4% 3 bedrooms 40.2% 4 bedrooms 12.6% 5+ bedrooms 9.7%
Vehicles per household
Vehicles % of households No vehicle 2.4% 1 vehicle 14.4% 2 vehicles 37.8% 3 or more 45.4%
Heating fuel
Fuel type % Utility gas 1.5% Electricity 36.9% Propane / LP gas 22.7% Fuel oil 9.0% Wood 29.8%
Households & families
Household type Count % Married-couple family 319 54.1% Cohabiting couple 15 2.5% Male householder, no spouse 95 16.1% Female householder, no spouse 161 27.3% Households with children under 18 147 24.9% Households with seniors (65+) 246 41.7% Average household size 2.53
Marital status
Status Male Female Never married 34.0% 17.7% Married 51.3% 54.6% Separated 0.0% 0.7% Widowed 2.5% 13.2% Divorced 12.1% 13.7%
Education
Some college, no degree
24.4%
Graduate / professional
7.3%
Metric % HS diploma or higher 94.2% Bachelor's or higher 23.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 18 7.9% Kindergarten 8 3.5% Elementary school 108 47.6% High school 48 21.1% College / grad school 45 19.8%
Employment
Industry of employment
Education & healthcare
22.8%
Agriculture & mining
14.3%
Arts, food & hospitality
13.5%
Transportation & utilities
6.6%
Public administration
5.9%
Professional & management
5.0%
Finance & real estate
1.8%
Occupation
Category % Management, business & arts 34.6% Service 16.0% Sales & office 19.0% Natural resources & construction 16.9% Production & transportation 13.4%
Employment type
Type % Private sector 63.9% Government 18.5% Self-employed 12.9% Unpaid family workers 4.7%
Commute
Method % Drive alone 62.0% Carpool 14.2% Public transit 1.4% Walk 8.1% Work from home 14.2% Other means 0.0% Avg commute (minutes) 25.8
Poverty
Married-couple families
3.4%
Female-led households
28.9%
Income support
Source % of households Social Security 43.4% Retirement income 23.7% Supplemental Security 2.9% Cash public assistance 1.9% Food stamps / SNAP 11.0%
Health indicators
Condition % Obesity 32.0% High blood pressure 28.6% High cholesterol 30.0% Diabetes 10.0% Heart disease 6.6% Stroke 3.3% Asthma 11.2% Arthritis 24.7% Kidney disease 3.0% Pulmonary disease 7.5% Cancer 6.1%
Behavior / access % Smoking 19.8% Binge drinking 21.1% No physical activity 21.8% Less than 7 hrs sleep 31.8% Depression 22.7% Fair or poor health 15.1% Poor mental health 15.3% Poor physical health 11.9% No health insurance 13.8% Visited doctor (checkup) 66.8% Visited dentist 58.5% Cholesterol screening 84.6% Teeth loss 16.6%
Veterans & disability
Veterans Count % Civilian veterans 122 9.9%
Disability % Any disability 15.9% Under 18 1.1% 18–64 years 12.6% 65 and over 35.1%
Health insurance coverage
Type % Private insurance 54.5% Public insurance 45.3% No insurance 17.6% Uninsured under 19 16.7%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,425 93.8% Spanish 79 5.5% Other Indo-European 19 1.3% Asian & Pacific Islander 12 0.8% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 1,489 98.0% Born in same state 1,477 97.2% Born in different state 932 61.3% Foreign born 12 0.8% Naturalized citizen 31 2.0% Not a US citizen 12 38.7%
Ancestry
Ancestry Count % Italian 212 13.9% French 142 9.3% Polish 64 4.2% Arab 61 4%
Ancestry Count % English 20 1.3% Dutch 11 0.7% German 3 0.2%
Technology access
Metric % of households Computer access 38.8% Internet access 92.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 59824
What city is ZIP code 59824 in?
ZIP code 59824 is primarily assigned to Charlo, Montana.
What county is ZIP code 59824 in?
ZIP code 59824 falls within Lake County, Montana.
Does ZIP code 59824 have a large retiree population?
43% of households in ZIP code 59824 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 59824 have a large veteran population?
10% of civilians in ZIP code 59824 are veterans, above the national average of ~7%.
What is the population of ZIP code 59824?
ZIP code 59824 has an estimated population of 1,520 residents, with a density of 16 people per square mile.
What is the median household income in ZIP code 59824?
The median household income in ZIP code 59824 is $61,154, below the national median of ~$75,000.
What timezone is ZIP code 59824 in?
ZIP code 59824 observes the MST timezone.
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