Population & age
- Total population
- 357
- Median age
- 30.0
Elmo, MT (59915)
Lake County · Population 357
Fresh.Data current as of Apr 24, 2026
Elmo, MT (ZIP 59915) sits in Lake County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 37.8%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $4,912. 29% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $50,280 per worker, roughly 23% below the US average. CDC's Social Vulnerability Index places this ZIP in the 77th percentile nationally — a highly vulnerable community profile. The most recent FEMA disaster declaration here was straight-line winds-related (SEVERE WINTER STORM AND STRAIGHT-LINE WINDS, 2026). Median daily AQI is just 9 per EPA AQS (2024), comfortably inside the Good range, with PM2.5 as the primary pollutant on most measured days. County Health Rankings reports 11,703 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 5.7% of residents are low-access and grocery density is above the national county median. Montana levies a flat state income tax (top rate 5.90%); a household at the local median AGI of $55,571 would pay roughly $1,967/year before deductions. IRS migration data (2022-2023) shows a net gain of 729 residents (322 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,480 for a two-bedroom, a typical home value of $817,399, up 1.3% over the past year, and a 45.1% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 25.5%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Education
- Bachelor's degree or higher (age 25+)
- 25.9%
Employment
- Unemployment rate
- 79.5%
Housing
- Owner-occupied
- 100(64.5%)
- Renter-occupied
- 55(35.5%)
- Vacant units
- 47
- Built (median)
- 1988
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
Economic wellbeing
- Below poverty line
- 161(45.1%)
- Uninsured
- 96(26.9%)
Digital access
- Broadband access
- 50(32.3%)
- No broadband
- 105(67.7%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 140(39.2%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,100
/month
1 Bed
$1,140
/month
2 Bed
$1,480
/month
3 Bed
$1,880
/month
4 Bed
$2,120
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$817,399
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+1.3%
vs. March 2025
5-year change
+48.1%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
19
Across 14 permitted buildings. Total construction value: $3.7M.
Single-family
11
58% of total units
Multifamily (2+ unit)
8
42% of total units
Single-family value
$2.4M
construction value
Multifamily value
$1.2M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
170
Average AGI
$55,571
Avg property tax
—
EITC participation
29.4%
Income distribution
- $1 – $25,00035.3% · 60
- $25,000 – $50,00029.4% · 50
- $50,000 – $75,00023.5% · 40
- $75,000 – $100,0000.0% · 0
- $100,000 – $200,00011.8% · 20
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
$3,676
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $9.4M across all reported brackets.
Employment & wages
Average annual pay
$50,280
Average weekly wage
$967
Total employment
9,768
Total establishments
1,300
That is roughly 23% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.6%
That is 0.4 percentage points below the US national unemployment rate of about 4.0%.
Labor force
14,776
Employed
14,238
Unemployed
538
Based on Lake County, MT data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
8
Date Range
2000–2026
Most Recent Declaration
SEVERE WINTER STORM AND STRAIGHT-LINE WINDS
Straight-Line Winds — declared April 7, 2026 (DR-4902)
Incident period: December 17, 2025 – December 18, 2025
Top Incident Types
- Biological2 (25%)
- Flood2 (25%)
- Fire2 (25%)
- Straight-Line Winds1 (13%)
- Hurricane1 (13%)
Individual Assistance
1
Direct help to disaster survivors
Households Program
1
Housing & temporary lodging support
Public Assistance
7
Repair of public facilities & roads
Hazard Mitigation
3
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
45.2°F
34.4° – 56°
Annual precipitation
15.7"
Annual snowfall
33.6"
Heating · cooling days
7,453.1 · 262.7
Annual base 65°F
Nearest station: SKQ DAM, MT US, 12.6 miles from the centroid of Elmo, MT (ZIP 59915)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Air quality
Median daily AQI
9
GoodGood 108dModerate 7d
Peak AQI (2024)
77
Moderate
Primary pollutant
PM2.5
115 days as main pollutant
Days measured
115
Based on Lake County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
11,703
That is roughly 3,503 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
19%
of adults self-report
Poor physical health days
4.6
avg per adult per month
Poor mental health days
5.9
avg per adult per month
Uninsured
15.5%
of residents under 65
Primary care MDs
75
per 100,000 residents
Preventable hospital stays
1,762
per 100K Medicare enrollees
Food environment (0-10)
8.3
10 = best access & security
Exercise access
63%
residents near a facility
Flu vaccinated
34%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.7% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Lake data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
5.7% of Lake County, MT residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.26
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.79
accepting food benefits
Fast-food restaurants
0.65
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Lake County, MT for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 78 reports
Property crime rate
—
per 100K residents · 189 reports
Homicide
1
Robbery
2
Burglary
24
Vehicle theft
57
County-level data for Lake (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+729 people
+322 households • +$51.1M net AGI flow
Moved in
1,390households
2,490 people • $120.3M AGI
Moved out
1,068households
1,761 people • $69.2M AGI
Where new residents came from
- Missoula County, MT — 152 households
- Flathead County, MT — 118 households
- Gallatin County, MT — 23 households
- Yellowstone County, MT — 23 households
- Sanders County, MT — 21 households
Where departing residents went
- Flathead County, MT — 125 households
- Missoula County, MT — 125 households
- Sanders County, MT — 22 households
Incoming households reported an average AGI of $86,544 versus departing households' $64,784.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Montana
State-level rules that apply to every resident of ZIP 59915. Numbers reflect the most recent published year per source.
Tax rates
Income tax
5.90%
flat · 1 brackets
Sales tax (combined)
0.00%
State 0.00% · avg local 0.00%
Property tax (effective)
0.84%
Median $2,669/year
Tax burden rank
27 of 50
10.20% of personal income
For ZIP 59915: At this ZIP's median AGI of $55,571, the estimated state income tax (before deductions) runs about $1,967 per year. Applied to this ZIP's typical home value of $817,399, that works out to roughly $6,869/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 59915
Nearby ZIPs by distance
59914 (Dayton, 6.3 mi) · 59929 (Lake Mary Ronan, 6.6 mi) · 59910 (Big Arm, 8.2 mi) · 59931 (Rollins, 10.1 mi) · 59845 (Niarada, 11.2 mi) · 59860 (Polson, 12.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
34.5%
Tracks close to the 33.0% national rate.
High Blood Pressure
37.8%
5.8pp above the 32.0% national rate.
Depression
24.3%
2.3pp above the 22.0% national rate.
Annual Checkup
75.8%
Tracks close to the 76.0% national rate.
Health Insurance
9.5%
3.5pp below the 13.0% national rate.
Diabetes
13.7%
2.7pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$4,912
Median earnings (10 yr)
$26,284
- 2-Year
Flathead Valley Community College
Kalispell, MT · 59901
- In-state tuition
- $4,912
- Out-of-state tuition
- $11,659
- Acceptance rate
- —
- Graduation rate
- 28.1%
- Median earnings (10 yr)
- $38,520
- Median student debt
- $10,500
- Certificate
Crevier's Academy of Cosmetology Arts
Kalispell, MT · 59901
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 87.6%
- Median earnings (10 yr)
- $14,047
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Elmo, MT (ZIP 59915) sits in Lake County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 37.8%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $4,912. 29% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $50,280 per worker, roughly 23% below the US average. CDC's Social Vulnerability Index places this ZIP in the 77th percentile nationally — a highly vulnerable community profile. The most recent FEMA disaster declaration here was straight-line winds-related (SEVERE WINTER STORM AND STRAIGHT-LINE WINDS, 2026). Median daily AQI is just 9 per EPA AQS (2024), comfortably inside the Good range, with PM2.5 as the primary pollutant on most measured days. County Health Rankings reports 11,703 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 5.7% of residents are low-access and grocery density is above the national county median. Montana levies a flat state income tax (top rate 5.90%); a household at the local median AGI of $55,571 would pay roughly $1,967/year before deductions. IRS migration data (2022-2023) shows a net gain of 729 residents (322 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,480 for a two-bedroom, a typical home value of $817,399, up 1.3% over the past year, and a 45.1% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 24.3%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 59915
What is the obesity rate in ZIP 59915?
34.5%, which is 1.5 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 59915?
24.3%, which is 2.3 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 59915?
37.8%, which is 5.8 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 59915?
357 people live in ZIP 59915, with a median age of 30.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 59915 mostly renters or homeowners?
In ZIP 59915, 64.5% of occupied housing units are owner-occupied and 35.5% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 59915?
In ZIP 59915, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 59915?
45.1% of the population in ZIP 59915 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 59915 have broadband internet?
32.3% of households in ZIP 59915 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 59915?
The typical home value in ZIP 59915 is $817,399, up 1.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 59915?
Home values are up 1.3% over the past year and up 48.1% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 59915?
The average Adjusted Gross Income reported on tax returns from ZIP 59915 (Elmo, MT) is $55,571 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 59915?
Tax returns from ZIP 59915 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 59915 earn over $200,000?
0.0% of tax returns from ZIP 59915 (Elmo, MT) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How vulnerable is ZIP 59915 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 59915 ranks in the 77th percentile nationally for social vulnerability — a very high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 59915?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 59915, ranking in the 89th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 59915 experienced?
FEMA has recorded 8 federal disaster declarations affecting ZIP 59915 between 2000–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 59915?
Biological is the most common federally declared disaster type affecting ZIP 59915, accounting for 2 of 8 declarations (25%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 59915?
The most recent FEMA disaster declaration affecting ZIP 59915 was "SEVERE WINTER STORM AND STRAIGHT-LINE WINDS" — a straight-line winds declared in 2026 (DR-4902) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 59915?
2 colleges and universities are listed near ZIP 59915 by the U.S. Department of Education College Scorecard, including Flathead Valley Community College and Crevier'S Academy Of Cosmetology Arts (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 59915?
Median in-state tuition across 2 nearby institutions is $4,912 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 59915?
Graduates of nearby colleges earn a median of $26,284 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 59915?
ZIP 59915 has an average annual temperature of 45.2°F and 15.7" of annual precipitation based on the SKQ DAM, MT US weather station 12.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 59915?
Montana has a flat income tax with a top rate of 5.90%. Households at the local median AGI of $55,571 would pay roughly $1,967 in state income tax annually (estimated, before deductions). Combined sales tax: 0.00% (Tax Foundation 2025).
Does Montana have paid family leave?
Montana has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 59915?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (2 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (8 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (8 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 59915
Nearby ZIPs by distance
59914 (Dayton, 6.3 mi) · 59929 (Lake Mary Ronan, 6.6 mi) · 59910 (Big Arm, 8.2 mi) · 59931 (Rollins, 10.1 mi) · 59845 (Niarada, 11.2 mi) · 59860 (Polson, 12.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 59915?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
77th percentile
Very High Vulnerability
Based on 2 census tracts, population 780
Vulnerability Themes
Households Without Vehicle
13
Limited English Speakers
11
Persons with Disability
160
Without HS Diploma
45
Without Health Insurance
118
Adults Age 65+
246
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.