Cut Bank, MT demographics:
population, income, and more

Total population
3,028
-0.4% year-over-year change
Median household income
$49,432/yr
-11.5% year-over-year change
Housing units
1,298
-6.1% year-over-year change

Cut Bank population

How many people live in Cut Bank

Cut Bank is home to 3,028 residents, according to the most recent Census data. Gender-wise, 52.8% of Cut Bank locals are male, and 47.2% are female.

Total population
3,028
-0.4% year-over-year change
Gender ratio
Male
52.8%
1,600
Female
47.2%
1,428
Value Percent YoY change
Male 1,600 52.8% -5.1%
Female 1,428 47.2% 5.5%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Cut Bank is 38, with the population distributed as follows: about 27.2% are children under 15, then 11.1% are in the 15 to 24 age group. Adults between 25 and 44 make up 21.1% of the population, while another 23.2% fall into the 45 to 64 bracket. Finally, around 17.2% are 65 or older.

Median age
37.6
Age breakdown
Under 15
27.2%
15 to 24
11.1%
25 to 44
21.1%
45 to 64
23.2%
Over 65
17.2%
Value Percent YoY change
Under 15 825 27.2% 8.0%
15 to 24 337 11.1% 5.0%
25 to 44 640 21.1% -2.9%
45 to 64 704 23.2% -9.4%
Over 65 522 17.2% 0.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Cut Bank, 99.6% of the population are US-born citizens, while 0.1% have gained naturalized citizenship. At the same time, 0.3% of residents are non-citizens. There’s also a share of 8.7% that includes residents with two or more races.

Citizenship
U.S.-born citizens
99.6%
Non-U.S.-born citizens
0.1%
Non-citizens
0.3%
Value Percent YoY change
U.S.-born citizens 3,015 99.6% 0.0%
Non-U.S.-born citizens 4 0.1% -60.0%
Non-citizens 9 0.3% -43.8%
Racial breakdown
White
66.2%
Black or African American
0%
American Indian and Alaska Native
24%
Asian
0.3%
Native Hawaiian and other Pacific Islander
0%
Two or more races
8.7%
Other
0.7%
Value Percent
White 2,006 66.2%
American Indian and Alaska Native 728 24%
Asian 9 0.3%
Two or more races 263 8.7%
Other 22 0.7%

Households in Cut Bank

A peek inside Cut Bank households

Cut Bank has 1,087 households, with an average of 3 members in each. Of these, 64.3% are families, while the remaining 35.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,087
-6.0% year-over-year change
Average people per household
3
Non-family households
388
Family households
699
Value Percent YoY change
Non-family households 388 35.7% 1.3%
Family households 699 64.3% -9.7%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Cut Bank

The housing landscape of Cut Bank

Cut Bank's housing consists of 1,298 units, with 81.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 1.1% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 2.5% of the housing landscape.

Housing units
1,298
-6.1% year-over-year change
Housing types
Value Percent
1 unit, detached 1,061 81.7%
1 unit, attached 14 1.1%
3 or 4 units 126 9.7%
10 to 19 units 24 1.8%
20 to 49 units 40 3.1%
Mobile home 33 2.5%
Homes built since 2020
0
% year-over-year change

The age of buildings in Cut Bank

In Cut Bank, the median construction year is 1952. About 26.4% of homes were built before the 1940s, with another 20% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 343 26.4% 6.8%
Built between 1940 and 1949 260 20% 9.7%
Built between 1950 and 1959 246 19% -33.5%
Built between 1960 and 1969 123 9.5% 59.7%
Built between 1970 and 1979 171 13.2% -5.5%
Built between 1980 and 1989 81 6.2% -34.7%
Built between 1990 and 1999 14 1.1% -46.1%
Built between 2000 and 2009 30 2.3% 15.4%
Built between 2010 and 2019 30 2.3% 50.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Cut Bank occupancy rates

Out of the 1,087 occupied housing units in Cut Bank, 67.3% are owner-occupied, while 32.7% are lived in by tenants. Meanwhile, 16.3% of all homes on the local market sit vacant.

Occupied housing units
1,087
-6.0% year-over-year change
Occupancy breakdown
Renter occupied
355
Owner occupied
732
Value Percent YoY
change
Renter occupied 355 32.7% 12.7%
Owner occupied 732 67.3% -13.1%
Unoccupied housing units
16.3%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Cut Bank housing costs

Housing costs in Cut Bank come to a median of $973 per month, while tenants specifically pay a median gross rent of $988.

Median housing costs per month
$973/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Cut Bank
$988/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Cut Bank

Cut Bank education at a glance

About 35.6% of the population in Cut Bank went to high school, while 36.4% pursued college studies. Another 9.8% earned an associate degree and 6.5% hold a bachelor’s. Meanwhile, 8.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 66 3.2% 73.7%
High school diploma 735 35.6% -8.9%
College diploma 752 36.4% 4.3%
Associate degree 203 9.8% -9.0%
Bachelor's degree 135 6.5% -6.2%
Graduate degree 174 8.4% -24.7%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Cut Bank

How much people earn in Cut Bank

The average annual household income in Cut Bank was $64,805 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -1.3% change from the previous year. At the same time, the median income stood at $49,432, reflecting a -11.5% shift over the same period.

Average household income in Cut Bank
$64,805/year
-1.3% year-over-year change
Median household income in Cut Bank
$49,432/year
-11.5% year-over-year change

Cut Bank income by age

In Cut Bank, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $57,422. Those with someone between 45 and 64 in charge, often well established professionally, earn $67,348 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $40,938, while those led by someone over 65, many of whom may be retired, have about $30,571 in earnings. Overall, 80.4% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $40,938 0.6%
25 - 44 $57,422 -0.8%
45 - 64 $67,348 3.0%
Over 65 $30,571 -5.9%
Above poverty level
2,278
Below poverty level
554
Value Percent YoY
change
Above poverty level 2,278 80.4% 0.7%
Below poverty level 554 19.6% -16.6%

Employment in Cut Bank

Workforce and job types in Cut Bank

The job market in Cut Bank is powered by 1,143 working residents, spread across a range of industries and roles. 72.6% of the working population are employed in professional or administrative positions, while 27.4% are in hands-on or service-based jobs. Also, 16.3% run their own businesses, 48.3% are employed by private companies, and 28.5% work in the public sector.

Workforce demographics

Working population
1,143
4.8% year-over-year change
White collar
830
Blue collar
313
Value Percent YoY change
White collar 830 72.6% -0.7%
Blue collar 313 27.4% 22.8%
Employer type
Self employees
16.3%
Private companies
48.3%
Governmental workers
28.5%
Not for profit companies
6.9%
Value Percent YoY change
Self employees 186 16.3% 10.7%
Private companies 552 48.3% 15.7%
Governmental workers 326 28.5% -19.3%
Not for profit companies 79 6.9% 88.1%
Unemployment rate
3.5%
70.8% year-over-year change

Available workforce

The unemployment rate in Cut Bank stands at 3.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Cut Bank

How people get around in Cut Bank

In Cut Bank, the average commute time is 10 minutes. Commuting methods vary: 86.7% of residents travel by personal vehicle and 8.1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
10 min
-16.0% year-over-year change
Means of transportation
Value Percent YoY change
Car 937 86.7% 1.1%
Walk 88 8.1% 63.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Cut Bank by zipcode?

Zipcode Population Number of households Median income Average income
59427 5,008 1,626 $61,094 $77,959

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FAQs about Cut Bank demographics 

What is the total population of Cut Bank?

Cut Bank has a total population of 3,028 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -0.4% compared to a year ago.

What is the gender ratio in Cut Bank?

The gender ratio in Cut Bank is as follows:
  • 52.8% males (1,600 residents)
  • 47.2% females (1,428 residents)

What is the median age in Cut Bank?

The median age in Cut Bank is 37.6.

What is the age distribution of the population in Cut Bank?

The age distribution in Cut Bank is as follows:
  • Under 15: 27.2% (825 residents)
  • Ages 15-24: 11.1% (337 residents)
  • Ages 25-44: 21.1% (640 residents)
  • Ages 45-64: 23.2% (704 residents)
  • Over 65: 17.2% (522 residents)

What is the racial and ethnic makeup of Cut Bank?

The racial and ethnic makeup of Cut Bank is as follows:
  • White: 66.2% (2,006 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 24% (728 residents)
  • Asian: 0.3% (9 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 8.7% (263 residents)
  • Other: 0.7% (22 residents)

What percentage of the population in Cut Bank are U.S.-born citizens?

U.S.-born citizens represent 99.6% of the population in Cut Bank.

How many housing units are there in Cut Bank?

There are 1,298 housing units in Cut Bank, reflecting a -6.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Cut Bank and what is the average household size?

Cut Bank has a total of 1,087 households, with an average of 3 people in each.

What is the median household income in Cut Bank?

Cut Bank has a median household income of $49,432, representing a -11.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Cut Bank?

The employment rate is 96.5% in Cut Bank, with a workforce of 1,143 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 72.6% (830 residents)
  • Blue-collar workers: 27.4% (313 residents)

Places of employment:
  • Self-employed: 16.3% (186 residents)
  • Private companies: 48.3% (552 residents)
  • Governmental workers: 28.5% (326 residents)
  • Not-for-profit companies: 6.9% (79 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025