ZIP Code 59721 — Cardwell CDP, MT Demographics & Data

ZIP code 59721 covers Cardwell, MT in Jefferson County with a population of about 519.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 59721 is about $86,932 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.7%; unemployment rate near 0.4%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Healthcare; about 18.4% of workers reporting work-from-home (about 3.2 points above 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 $615,700 — about 77% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $737 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 74.4% (about 9.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59721 in Cardwell, MT, a household would need roughly $169,000 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 $3,955. That is about 94% above the local median household income ($86,932), 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 Cardwell CDP, MT as Very Low (composite score 21.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (89.1) and flood (29.4). 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 Cardwell CDP, MT show little to no average snow and around 13.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 59721 (Cardwell 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.