59721 ZIP Code — Cardwell, MT

Jefferson County, Montana

ZIP code 59721 is located in Cardwell, Montana, within Jefferson County. It covers approximately 209.55 square miles and serves a population of 462 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 406.

About ZIP code 59721

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $491,700. Owner-occupancy sits near the national average at 72%.

Median household income is $84,000. The poverty rate of 3% is below the national average. 53% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 32 minutes is near the national average. Remote work is prevalent — 27% of workers work from home.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 59721 reflects a community defined by a high rate of remote workers and a significant Social Security-dependent population.

462

population

209.55

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

59721 ZIP code map

Cities in ZIP code 59721

Below are the cities the US Postal Service accepts for ZIP code 59721. Using any city not on this list may result in mail delivery delays.

City	Status
Cardwell	Preferred

Nearby ZIP codes

59759 Whitehall (15.8 mi) 59752 Three Forks (18.9 mi)

Demographics updated 06/2026

Population
Total population	462
Population density	2 / sq mi
State FIPS	30
County FIPS	043

Geography
Land area	209.55 sq mi
Water area	0.23 sq mi
Latitude	45.8219
Longitude	-111.8886
Timezone	Mountain (MT)
Area code	406

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.1%	34.6%	44.2%
$50k – $100k	35.1%	33.8%	32.0%
$100k – $200k	21.3%	28.5%	19.2%
Over $200k	7.4%	3.2%	4.7%

Demographics & statistics

462

Population

People per sq mi

56.4

Median age

$84,000

Median household income

$47,237

Per capita income

$491,700

Median home value

$864

Median monthly rent

71.9%

Home ownership

2.6%

Poverty rate

0.4%

Unemployment

204

Housing units

34.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	80	17.3%
18 and over	382	82.7%
65 and over	142	30.7%
Median age	56.4 years

Race & ethnicity

White 93.2%

Two or more races 4.9%

Hispanic or Latino 1.3%

American Indian / Alaska Native 0.6%

Group	Count	%
White	436	93.2%
Two or more races	23	4.9%
Hispanic or Latino	6	1.3%
American Indian / Alaska Native	3	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.1%	34.6%	44.2%
$50k – $100k	35.1%	33.8%	32.0%
$100k – $200k	21.3%	28.5%	19.2%
Over $200k	7.4%	3.2%	4.7%

Under $10k 1.6%

$10k–$15k 1.6%

$15k–$25k 2.6%

$25k–$35k 5.2%

$35k–$50k 10.9%

$50k–$75k 23.4%

$75k–$100k 13.0%

$100k–$150k 24.0%

$150k–$200k 3.6%

$200k+ 14.1%

Range	% of households
Under $10k	1.6%
$10k–$15k	1.6%
$15k–$25k	2.6%
$25k–$35k	5.2%
$35k–$50k	10.9%
$50k–$75k	23.4%
$75k–$100k	13.0%
$100k–$150k	24.0%
$150k–$200k	3.6%
$200k+	14.1%
Median income	$84,000

Housing

Home values

$50k–$100k 2.9%

$100k–$150k 8.0%

$150k–$200k 13.0%

$200k–$300k 5.8%

$300k–$500k 21.0%

$500k–$1M 41.3%

$1M+ 8.0%

Housing overview

Metric	Value
Median home value	$491,700
Median rent / month	$864
Owner occupied	71.9%
Renter occupied	28.1%
Vacant	25.6%
Single-family detached	82.2%
Large apartment buildings	0.0%
Mobile homes	17.4%
Median rooms	6.2
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.0%
2010–2019	9.7%
2000–2009	13.2%
1990–1999	19.8%
1980–1989	14.7%
1970–1979	8.9%
1960–1969	11.6%
1950–1959	2.3%
1940–1949	4.3%
1939 or earlier	15.5%

Bedrooms

Size	% of units
No bedroom (studio)	4.7%
1 bedroom	4.7%
2 bedrooms	20.9%
3 bedrooms	46.9%
4 bedrooms	15.1%
5+ bedrooms	7.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.5%
1 vehicle	16.7%
2 vehicles	15.6%
3 or more	67.2%

Heating fuel

Fuel type	%
Utility gas	12.0%
Electricity	24.0%
Propane / LP gas	43.8%
Wood	19.8%

Households & families

Household type	Count	%
Married-couple family	138	71.9%
Cohabiting couple	7	3.6%
Male householder, no spouse	24	12.5%
Female householder, no spouse	23	12.0%
Households with children under 18	34	17.7%
Households with seniors (65+)	97	50.5%
Average household size	2.41

Marital status

Status	Male	Female
Never married	15.5%	8.8%
Married	75.5%	75.6%
Separated	0.5%	0.0%
Widowed	1.0%	9.8%
Divorced	7.5%	5.7%

Education

Less than 9th grade 0.3%

Some HS, no diploma 2.2%

HS graduate 29.1%

Some college, no degree 30.2%

Associate's degree 4.3%

Bachelor's degree 26.4%

Graduate / professional 7.5%

Metric	%
HS diploma or higher	97.6%
Bachelor's or higher	34.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	7	8.8%
Elementary school	38	47.5%
High school	18	22.5%
College / grad school	17	21.3%

Employment

Industry of employment

Agriculture & mining 36.4%

Education & healthcare 15.6%

Professional & management 12.0%

Retail trade 10.7%

Manufacturing 10.2%

Construction 4.0%

Finance & real estate 2.7%

Public administration 2.2%

Arts, food & hospitality 1.8%

Transportation & utilities 1.3%

Information 1.3%

Wholesale trade 0.9%

Other services 0.9%

Occupation

Category	%
Management, business & arts	36.4%
Service	8.0%
Sales & office	8.9%
Natural resources & construction	34.2%
Production & transportation	12.4%

Employment type

Type	%
Private sector	57.8%
Government	17.3%
Self-employed	13.8%
Unpaid family workers	11.1%

Commute

Method	%
Drive alone	56.7%
Carpool	14.3%
Public transit	0.0%
Walk	1.8%
Work from home	27.2%
Other means	0.0%
Avg commute (minutes)	31.7

Poverty

All people 2.6%

Under 18 years 2.5%

18 and over 2.6%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	53.1%
Retirement income	34.4%
Supplemental Security	4.7%
Cash public assistance	1.6%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	30.2%
High blood pressure	32.1%
High cholesterol	34.0%
Diabetes	10.3%
Heart disease	7.3%
Stroke	3.3%
Asthma	9.7%
Arthritis	28.8%
Kidney disease	3.1%
Pulmonary disease	7.2%
Cancer	8.1%

Behavior / access	%
Smoking	16.6%
Binge drinking	20.4%
No physical activity	20.5%
Less than 7 hrs sleep	29.0%
Depression	21.0%
Fair or poor health	12.7%
Poor mental health	11.9%
Poor physical health	10.8%
No health insurance	10.3%
Visited doctor (checkup)	72.3%
Visited dentist	64.7%
Cholesterol screening	91.2%
Teeth loss	11.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	20	5.2%

Disability	%
Any disability	15.6%
Under 18	5.0%
18–64 years	13.8%
65 and over	24.6%

Health insurance coverage

Type	%
Private insurance	74.7%
Public insurance	45.5%
No insurance	8.0%
Uninsured under 19	10.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	442	95.7%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	462	100.0%
Born in same state	457	98.9%
Born in different state	234	50.6%
Foreign born	5	1.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	110	23.8%
French	85	18.4%
Arab	46	10%
Polish	28	6.1%

Ancestry	Count	%
German	15	3.2%
English	10	2.2%
Dutch	4	0.9%
Irish	1	0.2%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	95.3%

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

Frequently asked questions about ZIP code 59721

What city is ZIP code 59721 in?

ZIP code 59721 is primarily assigned to Cardwell, Montana.

What county is ZIP code 59721 in?

ZIP code 59721 falls within Jefferson County, Montana.

Does ZIP code 59721 have an older population?

31% of residents in ZIP code 59721 are 65 or older, above the national average of ~17%.

Does ZIP code 59721 have a large retiree population?

53% of households in ZIP code 59721 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 59721?

The median home value in ZIP code 59721 is $491,700.

What is the population of ZIP code 59721?

ZIP code 59721 has an estimated population of 462 residents, with a density of 2 people per square mile.

What timezone is ZIP code 59721 in?

ZIP code 59721 observes the MST timezone.