Carter ZIP codes — Carter County, Montana

Carter County is a small town in Montana, with 1,361 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 56.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Carter County earn a median of $52,171 a year, 33.6% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 13.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Carter County is valued at $176,600, 41.8% below the national figure, while median gross rent runs $731 a month, 48% below the national figure, or roughly $8,772 across a full year. A household on the local median income would put about 16.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 61.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 56.7 puts Carter County well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.