ZIP Code 59421 — Hardy CDP, MT Demographics & Data

ZIP code 59421 covers Hardy, MT in Cascade County with a population of about 2,039.

At a glance, the area shows median age of 51.2 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59421 is about $71,688 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 5.3%; 29.7% of adults with a bachelor’s degree or higher (about 4.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Construction; about 15.7% of workers reporting work-from-home (roughly in line with 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 $337,200 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $894 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 85.7% (about 20.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59421 in Hardy, MT, a household would need roughly $93,000 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 $2,166. That is about 30% above the local median household income ($71,688), so the median earner would likely stretch or need a larger down payment. 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 Hardy CDP, MT as Relatively Moderate (composite score 83.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (84.2) and flood (83.4). 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 Hardy CDP, MT show little to no average snow.

IRS migration statistics show a net inflow of about 108 for ZIP 59421 (Hardy CDP, 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.