Cardwell ZIP Code List — Jefferson County, MT

There is one unique ZIP code in Cardwell, Montana and it is 59721. Area code: 406.

ZIP codes

209.55

sq mi land

0.23

sq mi water

406

area code

Cardwell, MT ZIP code map

About Cardwell, MT

Cardwell, Montana, is a small and picturesque community located in the heart of Jefferson County. The town is characterized by its serene surroundings and welcoming atmosphere, making it an appealing place for residents and visitors alike. With its blend of natural beauty and a tight-knit community, Cardwell offers a unique glimpse into rural life in Montana.

Location & geography

Cardwell is situated in southwestern Montana, approximately 26 miles west of Bozeman and 17 miles south of Whitehall. The town spans an impressive land area of 209.55 square miles, with a small water area of 0.23 square miles. Surrounded by stunning mountainous terrain and open spaces, Cardwell provides a beautiful backdrop for outdoor enthusiasts.

Community & economy

The community of Cardwell is known for its strong sense of togetherness and friendly demeanor among residents. The local economy primarily revolves around agriculture and ranching, which play crucial roles in the daily lives of its residents. Visitors can often see local events that showcase the cultural heritage and agricultural practices that define Cardwell.

Transportation

Cardwell is easily accessible via Interstate 90, which runs nearby and connects to major cities throughout Montana. The nearest airport is the Bozeman Yellowstone International Airport, located about 30 miles to the east. Public transit options are limited in this rural area, so personal vehicles are typically the most common mode of transportation.

History

Cardwell was established in the late 19th century and has since played a vital role in the surrounding agricultural landscape. The town grew up alongside key industries such as mining and farming, which contributed to its development. Notable events in Cardwell's history include the establishment of local infrastructure that supports the agricultural community.

Did you know?

One surprising fact about Cardwell is its proximity to the picturesque Jefferson River, which is known for excellent fishing and recreational opportunities. Additionally, the town's quiet charm makes it a hidden gem for those seeking to escape the hustle and bustle of urban life.

ZIP codes for Cardwell, MT (1)

ZIP code	City	County	Map
59721	Cardwell	Jefferson	View map

Demographics & statistics

462

Population

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

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%
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	%
High blood pressure	32.1%
High cholesterol	34.0%
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	%
Binge drinking	20.4%
No physical activity	20.5%
Less than 7 hrs sleep	29.0%
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%
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

What is the ZIP code for Cardwell, MT?

Cardwell, MT has one ZIP code: 59721.

What is the main ZIP code for Cardwell, MT?

The primary ZIP code for Cardwell, MT is 59721. The city uses area code 406 for phone service.

What county is Cardwell, MT in?

Cardwell is located in Jefferson County, Montana.

How many ZIP codes are in Cardwell, MT?

Cardwell, MT has 1 ZIP code.

What is the ZIP code for the Cardwell area in Jefferson County, Montana?

The ZIP code for Cardwell, Montana is 59721, which serves this small community in Jefferson County.

If I'm mailing a letter to a business in Cardwell, MT, what ZIP code should I use?

You should use ZIP code 59721 for all mail addressed to Cardwell, Montana.