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Area data

Cardwell, MT — ZIP 59721

Population: 423 (Census ACS)

The median home value in ZIP 59721 (Cardwell, MT) is $569,429 — up 3.1% over the past year. Homes sell for a median $535,000 after a median 123 days on market. 1 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with landslide, lightning, wildfire the top-rated hazards. Cost of living is 4.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$569,429

Median home value

+3.1%

1-year change

123

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$569,429
1-year appreciation
+3.1%
3-year appreciation
+12.1%
5-year appreciation
+37.9%
10-year appreciation
+149.7%
All-time peak (2026-03)
$578,371
House Price Index (state)
724.8 (-1.8% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$535,000
Median list price
$849,000
1-year sale-price change
-23.5%
Median days on market
123 days
Homes sold (recent period)
1
For-sale inventory
6
Active listings
3

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,024/mo
1BR fair-market rent
$1,155/mo
2BR fair-market rent
$1,266/mo
3BR fair-market rent
$1,583/mo
4BR fair-market rent
$1,801/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Average)
95.5 (100 = US avg)
Electricity rate (state-level)
13.0¢/kWh
Natural gas rate (state-level)
$9.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
1
Elementary schools
1
Middle schools
0
High schools
0
Schools include
Cardwell School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
landslide, lightning, wildfire, winterWeather
Notable hazard ratings (county)
coldWave: Relatively Low · earthquake: Relatively Low · landslide: Relatively Moderate · lightning: Relatively Moderate · wildfire: Relatively Moderate · winterWeather: Relatively Moderate
FEMA flood zone
A
Flood risk level
High
Wildfire risk to homes (county)
Higher than 87% of US counties
Buildings in wildfire direct-exposure zone
81.2%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
39.4 in
USDA plant hardiness zone
5a (extreme annual low -20 to -15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
4.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
662
Jobs reachable by transit (45 min)
850

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Grant-Kohrs Ranch National Historic Site (57 mi)
Airports within 30 mi
8
Nearest airport
South Boulder Airport (6 mi)
Nearest major airport
Bert Mooney Airport (BTM) (32 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
ST JAMES HOSPITAL
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (4.1 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+169 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,992
Housing built before 1970
25.8%
Housing built 2000 or later
36.7%
Median annual property tax
$2,625
Mean commute to work
28 min
Households with broadband internet
15.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
1,983
Average weekly wage
$943
Top industries (by employment)
Construction, Accommodation & Food, Health Care
Annual residential building permits (county)
5

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 59721State medianUS median
Median home value$569,429$425,267$289,727
Median sale price$535,000$499,000$325,000
Median days on market123 days110 days51 days
Median annual property tax$2,625$1,830$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 59721?
$569,429.
What is the median sale price in ZIP 59721?
$535,000.
How long do homes take to sell in ZIP 59721?
Median days on market: 123 days.
What is typical rent in ZIP 59721?
2-bedroom fair-market rent: $1,266/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 59721?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: landslide, lightning, wildfire, winterWeather.
Is ZIP 59721 in a flood zone?
High (FEMA NFIP). FEMA flood zone A.
What is the wildfire risk in ZIP 59721?
Risk to homes is higher than 87% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 59721?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 59721?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 59721?
1 schools (1 elementary) (NCES, 2022-23).
Is ZIP 59721 walkable?
Walkability index: 4.5/20 (EPA Smart Location Database).
What is the cost of living in ZIP 59721?
Regional Price Parity: 95.5 (100 = US average) (Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

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