Charlo ZIP Code List — Lake County, MT

There is one unique ZIP code in Charlo, Montana and it is 59824. Area code: 406.
1
ZIP codes
93.49
sq mi land
4.65
sq mi water
406
area code
Charlo, MT ZIP code map

About Charlo, MT

Charlo is a quaint town located in Lake County, Montana, serving as a small but vibrant community. Known for its picturesque landscapes and rural charm, it offers residents and visitors a relaxing environment steeped in natural beauty. With a ZIP code of 59824, Charlo showcases the essence of small-town America in the scenic settings of the Rocky Mountain region.

Location & geography

Charlo is situated in the northwest part of Montana, approximately 30 miles from Missoula and 20 miles from Polson. The town covers a land area of 93.49 square miles, complemented by a water area of 4.65 square miles, which contributes to its scenic views and outdoor recreational opportunities. The nearby Flathead Lake, one of the largest natural freshwater lakes in the western United States, further enhances the area's lush terrain.

Community & economy

The character of Charlo is defined by its friendly residents and a close-knit community atmosphere. The local economy is largely based on agriculture and tourism, with various farms and outdoor activities attracting visitors interested in experiencing Montana’s natural beauty. Daily life in Charlo often revolves around community events, local businesses, and the stunning outdoor landscapes that offer abundant recreational opportunities.

Transportation

Charlo is accessible via U.S. Route 93, which connects it to larger cities and the surrounding region. The nearest major airport is Missoula International Airport, located about 35 miles away, providing regional and national flight services. Public transportation options may be limited, encouraging residents to rely on personal vehicles for travel.

History

Charlo was founded in the early 20th century and has a rich history tied to the agriculture industry, which has been a primary economic driver. Over the years, it has maintained its rural charm while adapting to modern changes, with various events celebrating its heritage and community spirit. Notable moments in Charlo's history include the development of local schools and agriculture cooperatives that have supported its residents.

Did you know?

One surprising fact about Charlo is that it is located near the Flathead Reservation, which is home to the confederated Salish and Kootenai Tribes. This unique geographical placement contributes to a rich cultural heritage that attracts visitors interested in Native American history and culture.

ZIP codes for Charlo, MT (1)
ZIP code City County Map
59824 Charlo Lake View map

Demographics & statistics

1,520
Population
47.9
Median age
$61,154
Median household income
$30,298
Per capita income
$267,100
Median home value
$842
Median monthly rent
77.8%
Home ownership
11.3%
Poverty rate
2.8%
Unemployment
558
Housing units
23.7%
Bachelor's or higher

Age distribution

Male Female
50
Under 5
45
47
5–9
42
33
10–14
31
47
15–19
42
19
20–24
18
102
25–34
93
83
35–44
75
96
45–54
87
52
55–59
47
74
60–64
67
96
65–74
87
92
75–84
83
6
85+
6
← Male
Female →

Age summary

GroupCount%
Under 1828218.6%
18 and over1,23881.4%
65 and over37024.3%
Median age47.9 years

Race & ethnicity

White 60.8%
Two or more races 19.5%
American Indian / Alaska Native 12.9%
Hispanic or Latino 4.8%
Other race 1.3%
Black or African American 0.4%
Asian 0.3%
GroupCount%
White97160.8%
Two or more races31119.5%
American Indian / Alaska Native20612.9%
Hispanic or Latino774.8%
Other race211.3%
Black or African American60.4%
Asian50.3%

Household income

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%
Range% of households
Under $10k9.2%
$10k–$15k2.5%
$15k–$25k11.2%
$25k–$35k8.6%
$35k–$50k12.2%
$50k–$75k21.0%
$75k–$100k12.4%
$100k–$150k12.7%
$150k–$200k4.9%
$200k+5.3%
Median income$61,154

Housing

Home values

Under $50k 10.5%
$50k–$100k 6.1%
$100k–$150k 12.2%
$150k–$200k 4.6%
$200k–$300k 19.4%
$300k–$500k 23.3%
$500k–$1M 22.7%
$1M+ 1.3%

Housing overview

MetricValue
Median home value$267,100
Median rent / month$842
Owner occupied77.8%
Renter occupied22.2%
Vacant14.4%
Single-family detached72.0%
Large apartment buildings0.0%
Mobile homes22.8%
Median rooms5.8
Avg household size (owned)2.56

Year built

Era%
2020 or later0.4%
2010–20191.9%
2000–200915.8%
1990–199913.4%
1980–198917.0%
1970–197922.8%
1960–19696.7%
1950–19593.3%
1940–19496.7%
1939 or earlier12.0%

Bedrooms

Size% of units
No bedroom (studio)0.7%
1 bedroom2.3%
2 bedrooms34.4%
3 bedrooms40.2%
4 bedrooms12.6%
5+ bedrooms9.7%

Vehicles per household

Vehicles% of households
No vehicle2.4%
1 vehicle14.4%
2 vehicles37.8%
3 or more45.4%

Heating fuel

Fuel type%
Utility gas1.5%
Electricity36.9%
Propane / LP gas22.7%
Fuel oil9.0%
Wood29.8%

Households & families

Household typeCount%
Married-couple family31954.1%
Cohabiting couple152.5%
Male householder, no spouse9516.1%
Female householder, no spouse16127.3%
Households with children under 1814724.9%
Households with seniors (65+)24641.7%
Average household size2.53

Marital status

StatusMaleFemale
Never married34.0%17.7%
Married51.3%54.6%
Separated0.0%0.7%
Widowed2.5%13.2%
Divorced12.1%13.7%

Education

Less than 9th grade 2.5%
Some HS, no diploma 3.2%
HS graduate 34.6%
Some college, no degree 24.4%
Associate's degree 11.5%
Bachelor's degree 16.4%
Graduate / professional 7.3%
Metric%
HS diploma or higher94.2%
Bachelor's or higher23.7%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool187.9%
Kindergarten83.5%
Elementary school10847.6%
High school4821.1%
College / grad school4519.8%

Employment

Industry of employment

Education & healthcare 22.8%
Agriculture & mining 14.3%
Arts, food & hospitality 13.5%
Retail trade 8.8%
Construction 8.0%
Other services 6.7%
Transportation & utilities 6.6%
Public administration 5.9%
Professional & management 5.0%
Manufacturing 3.9%
Finance & real estate 1.8%
Wholesale trade 1.6%
Information 1.0%

Occupation

Category%
Management, business & arts34.6%
Service16.0%
Sales & office19.0%
Natural resources & construction16.9%
Production & transportation13.4%

Employment type

Type%
Private sector63.9%
Government18.5%
Self-employed12.9%
Unpaid family workers4.7%

Commute

Method%
Drive alone62.0%
Carpool14.2%
Public transit1.4%
Walk8.1%
Other means0.0%
Avg commute (minutes)25.8

Poverty

All people 11.3%
Under 18 years 8.9%
18 and over 11.8%
Married-couple families 3.4%
Female-led households 28.9%

Income support

Source% of households
Social Security43.4%
Retirement income23.7%
Supplemental Security2.9%
Cash public assistance1.9%
Food stamps / SNAP11.0%

Health indicators

Condition%
High blood pressure28.6%
High cholesterol30.0%
Heart disease6.6%
Stroke3.3%
Asthma11.2%
Arthritis24.7%
Kidney disease3.0%
Pulmonary disease7.5%
Cancer6.1%
Behavior / access%
Binge drinking21.1%
No physical activity21.8%
Less than 7 hrs sleep31.8%
Fair or poor health15.1%
Poor mental health15.3%
Poor physical health11.9%
No health insurance13.8%
Visited doctor (checkup)66.8%
Visited dentist58.5%
Cholesterol screening84.6%
Teeth loss16.6%

Veterans & disability

VeteransCount%
Civilian veterans1229.9%
Disability%
Any disability15.9%
Under 181.1%
18–64 years12.6%
65 and over35.1%

Health insurance coverage

Type%
Private insurance54.5%
Public insurance45.3%
Uninsured under 1916.7%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,42593.8%
Spanish795.5%
Other Indo-European191.3%
Asian & Pacific Islander120.8%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,48998.0%
Born in same state1,47797.2%
Born in different state93261.3%
Foreign born120.8%
Naturalized citizen312.0%
Not a US citizen1238.7%

Ancestry

AncestryCount%
Italian21213.9%
French1429.3%
Polish644.2%
Arab614%
AncestryCount%
English201.3%
Dutch110.7%
German30.2%

Technology access

Metric% of households
Computer access38.8%
Internet access92.4%

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

Frequently asked questions
What is the ZIP code for Charlo, MT?
Charlo, MT has one ZIP code: 59824.
What is the main ZIP code for Charlo, MT?
The primary ZIP code for Charlo, MT is 59824. The city uses area code 406 for phone service.
What county is Charlo, MT in?
Charlo is located in Lake County, Montana.
How many ZIP codes are in Charlo, MT?
Charlo, MT has 1 ZIP code.
What is the ZIP code for Charlo's main town area along Highway 93?
The primary ZIP code for Charlo, Montana is 59824, which covers the town center and surrounding areas in Lake County.
What ZIP code should I use for mailing packages to businesses in downtown Charlo?
Use ZIP code 59824 for all mailing addresses in Charlo, as this is the only ZIP code serving the entire community.
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