59261 ZIP Code — Saco, MT

Phillips County, Montana

ZIP code 59261 is located in Saco, Montana, within Phillips County. It covers approximately 761.74 square miles and serves a population of 407 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 406.

About ZIP code 59261

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $169,300. Owner-occupancy is high at 77%, well above the national average.

Median household income is $59,286. Poverty affects 21% of residents, above the national average. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 24 minutes is near the national average. Remote work is prevalent — 23% of workers work from home.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 59261 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

407

population

761.74

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

59261 ZIP code map

Cities in ZIP code 59261

Below are the cities the US Postal Service accepts for ZIP code 59261. Using any city not on this list may result in mail delivery delays.

City	Status
Saco	Preferred

Nearby ZIP codes

59544 Whitewater (14.7 mi)

Demographics updated 06/2026

Population
Total population	407
Population density	1 / sq mi
State FIPS	30
County FIPS	071

Geography
Land area	761.74 sq mi
Water area	9.19 sq mi
Latitude	48.6327
Longitude	-107.4790
Timezone	Mountain (MT)
Area code	406

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.4%	53.6%	44.2%
$50k – $100k	26.7%	33.1%	32.0%
$100k – $200k	18.3%	10.7%	19.2%
Over $200k	3.6%	2.5%	4.7%

Demographics & statistics

407

Population

People per sq mi

58.3

Median age

$59,286

Median household income

$30,083

Per capita income

$169,300

Median home value

$585

Median monthly rent

76.7%

Home ownership

21.1%

Poverty rate

0.5%

Unemployment

319

Housing units

17.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	70	17.2%
18 and over	337	82.8%
65 and over	131	32.2%
Median age	58.3 years

Race & ethnicity

White 95.1%

American Indian / Alaska Native 2.9%

Two or more races 1.2%

Hispanic or Latino 0.7%

Group	Count	%
White	390	95.1%
American Indian / Alaska Native	12	2.9%
Two or more races	5	1.2%
Hispanic or Latino	3	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.4%	53.6%	44.2%
$50k – $100k	26.7%	33.1%	32.0%
$100k – $200k	18.3%	10.7%	19.2%
Over $200k	3.6%	2.5%	4.7%

Under $10k 5.1%

$10k–$15k 2.3%

$15k–$25k 10.8%

$25k–$35k 11.4%

$35k–$50k 11.9%

$50k–$75k 27.3%

$75k–$100k 9.1%

$100k–$150k 19.3%

$200k+ 2.8%

Range	% of households
Under $10k	5.1%
$10k–$15k	2.3%
$15k–$25k	10.8%
$25k–$35k	11.4%
$35k–$50k	11.9%
$50k–$75k	27.3%
$75k–$100k	9.1%
$100k–$150k	19.3%
$200k+	2.8%
Median income	$59,286

Housing

Home values

Under $50k 12.6%

$50k–$100k 17.0%

$100k–$150k 14.1%

$150k–$200k 20.0%

$200k–$300k 25.2%

$300k–$500k 3.7%

$500k–$1M 5.2%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$169,300
Median rent / month	$585
Owner occupied	76.7%
Renter occupied	23.3%
Vacant	51.1%
Single-family detached	91.1%
Large apartment buildings	0.0%
Mobile homes	8.9%
Median rooms	4.4
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.0%
2010–2019	6.7%
2000–2009	11.4%
1990–1999	7.8%
1980–1989	3.1%
1970–1979	10.6%
1960–1969	6.4%
1950–1959	9.2%
1940–1949	6.4%
1939 or earlier	38.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.6%
1 bedroom	25.3%
2 bedrooms	30.3%
3 bedrooms	15.8%
4 bedrooms	17.8%
5+ bedrooms	7.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.5%
1 vehicle	25.6%
2 vehicles	26.7%
3 or more	43.2%

Heating fuel

Fuel type	%
Utility gas	81.3%
Electricity	4.0%
Propane / LP gas	12.5%

Households & families

Household type	Count	%
Married-couple family	76	43.2%
Cohabiting couple	18	10.2%
Male householder, no spouse	40	22.7%
Female householder, no spouse	42	23.9%
Households with children under 18	37	21.0%
Households with seniors (65+)	84	47.7%
Average household size	2.31

Marital status

Status	Male	Female
Never married	19.7%	24.4%
Married	51.1%	53.6%
Separated	0.0%	1.8%
Widowed	3.9%	11.9%
Divorced	25.3%	8.3%

Education

Less than 9th grade 4.7%

Some HS, no diploma 2.0%

HS graduate 52.8%

Some college, no degree 21.1%

Associate's degree 2.0%

Bachelor's degree 11.0%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	93.3%
Bachelor's or higher	17.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	26.5%
Kindergarten	4	8.2%
Elementary school	14	28.6%
High school	9	18.4%
College / grad school	9	18.4%

Employment

Industry of employment

Agriculture & mining 25.8%

Education & healthcare 21.4%

Arts, food & hospitality 15.9%

Retail trade 13.7%

Finance & real estate 7.1%

Construction 5.5%

Transportation & utilities 4.9%

Other services 1.6%

Public administration 1.6%

Professional & management 1.1%

Wholesale trade 0.5%

Information 0.5%

Occupation

Category	%
Management, business & arts	27.5%
Service	25.8%
Sales & office	17.0%
Natural resources & construction	19.8%
Production & transportation	9.9%

Employment type

Type	%
Private sector	65.4%
Government	19.2%
Self-employed	14.8%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	62.1%
Carpool	7.1%
Public transit	0.0%
Walk	6.0%
Work from home	23.1%
Other means	1.6%
Avg commute (minutes)	24.4

Poverty

All people 21.1%

Under 18 years 42.9%

18 and over 16.6%

Married-couple families 5.3%

Female-led households 33.3%

Income support

Source	% of households
Social Security	43.8%
Retirement income	26.1%
Supplemental Security	5.7%
Cash public assistance	0.0%
Food stamps / SNAP	2.8%

Health indicators

Condition	%
Obesity	30.9%
High blood pressure	35.5%
High cholesterol	33.6%
Diabetes	11.4%
Heart disease	8.4%
Stroke	3.9%
Asthma	10.1%
Arthritis	31.2%
Kidney disease	3.5%
Pulmonary disease	8.6%
Cancer	8.5%

Behavior / access	%
Smoking	19.2%
Binge drinking	18.6%
No physical activity	25.5%
Less than 7 hrs sleep	32.1%
Depression	21.8%
Fair or poor health	15.4%
Poor mental health	12.7%
Poor physical health	12.5%
No health insurance	12.2%
Visited doctor (checkup)	70.7%
Visited dentist	60.2%
Cholesterol screening	90.2%
Teeth loss	15.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	39	11.6%

Disability	%
Any disability	19.7%
Under 18	1.4%
18–64 years	16.5%
65 and over	34.4%

Health insurance coverage

Type	%
Private insurance	52.3%
Public insurance	62.2%
No insurance	9.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	364	89.4%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	407	100.0%
Born in same state	407	100.0%
Born in different state	304	74.7%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	73	17.9%
Polish	67	16.5%
French	59	14.5%
Dutch	19	4.7%

Ancestry	Count	%
Italian	15	3.7%
German	13	3.2%
English	5	1.2%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	89.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 59261

What city is ZIP code 59261 in?

ZIP code 59261 is primarily assigned to Saco, Montana.

What county is ZIP code 59261 in?

ZIP code 59261 falls within Phillips County, Montana.

Does ZIP code 59261 have an older population?

32% of residents in ZIP code 59261 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 59261?

21% of residents in ZIP code 59261 live below the poverty line, above the national average.

Does ZIP code 59261 have a large retiree population?

44% of households in ZIP code 59261 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 59261 have a large veteran population?

12% of civilians in ZIP code 59261 are veterans, above the national average of ~7%.

What timezone is ZIP code 59261 in?

ZIP code 59261 observes the MST timezone.