ZIP Code 59420 — Carter CDP, MT Demographics & Data

ZIP code 59420 covers Carter, MT in Chouteau County with a population of about 214.

At a glance, the area shows median age of 33.5 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 59420 is about $60,694 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.9%; unemployment rate near 0.0%; 20.6% of adults with a bachelor’s degree or higher (about 13.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Manufacturing; about 3.3% of workers reporting work-from-home (about 11.9 points below the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $147,500 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.5% (about 17.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 59420 in Carter, MT, a household would need roughly $41,000 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 $948. That sits below the local median household income ($60,694), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Carter CDP, MT as Very Low (composite score 39.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (72.6) and flood (50.4). 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 Carter CDP, MT show little to no average snow and around 13.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 59420 (Carter 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.