ZIP Code 59034 — Hardin city, MT Demographics & Data

ZIP code 59034 covers Hardin, MT in Big Horn County with a population of about 4,972.

At a glance, the area shows median age of 34.9 versus a U.S. median of about 38.9.

It sits in telephone area code 406; U.S. House district MT-2; the BILLINGS media market.

Median household income in ZIP 59034 is about $59,559 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.3%; unemployment rate near 8.8%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Food services; about 4.5% of workers reporting work-from-home (about 10.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $178,200 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $597 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 61.6% (about 3.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59034 in Hardin, MT, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,145. That sits below the local median household income ($59,559), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Hardin city, MT as Relatively Low (composite score 57.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (94.8) and flood (55.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Hardin city, MT show little to no average snow and around 13.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 263 for ZIP 59034 (Hardin city, MT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.