HomeMontanaPark CountyGardiner CDP
Gardiner CDP, Montana: commercial real estate data.
Gardiner CDP is a Census CDP of 647 people across 5.79 square miles of land, in Park County. Median household income is $60,598, 54.7 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $5.6 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Gardiner
What Gardiner is
- Census place typeCDP
- Land area5.79 sq mi
- Water area0.1 sq mi
- Population per square mile of land112 plus or minus 35
- County holding the largest share of its areaPark County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
How many people live in Gardiner
- Population647 plus or minus 204
- Median age48.7
- Population under 18114 plus or minus 71
- Share under 1817.6 percent plus or minus 9.5
- Population 65 and over157 plus or minus 61
- Share 65 and over24.3 percent plus or minus 5.5
- Households375 plus or minus 100
- Family households112 plus or minus 49
- Share of households that are families29.9 percent plus or minus 10.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
Income and work in Gardiner
- Median household income$60,598 plus or minus $25,139
- Per capita income$46,930 plus or minus $16,421
- Civilian labor force355 plus or minus 105
- Employed340 plus or minus 104
- Unemployed15 plus or minus 26
- Unemployment rate4.2 percent plus or minus 7.2
- Adults 25 and over504 plus or minus 131
- Adults 25 and over with a high school diploma or higher93.8 percent plus or minus 33.9
- Adults 25 and over with a bachelor degree or higher51.6 percent
- Adults 25 and over with a graduate degree8.5 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
Housing in Gardiner
- Housing units477 plus or minus 102
- Occupied units375 plus or minus 100
- Vacant units102 plus or minus 51
- Vacancy rate21.4 percent plus or minus 9.7
- Owner occupied205 plus or minus 74
- Renter occupied170 plus or minus 79
- Ownership rate54.7 percent plus or minus 13.3
- Median owner-occupied home value$633,400
- Median gross rent, monthly$769
- Annual rent as a share of median income15.2 percent plus or minus 6.6
- Single family units346 plus or minus 87
- Share single family72.5 percent
- Units in buildings of two or more89 plus or minus 52
- Share in buildings of two or more18.7 percent plus or minus 10.1
- Mobile homes42 plus or minus 38
- Median year structure built1992
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
How Gardiner gets to work
- Workers 16 and over who commute303 plus or minus 94
- Commuting under 15 minutes150 plus or minus 74
- Share commuting under 15 minutes49.5 percent plus or minus 19.2
- Commuting 30 minutes or more79 plus or minus 50
- Share commuting 30 minutes or more26.1 percent plus or minus 14.3
- Drove alone78.5 percent
- Carpooled6.2 percent plus or minus 4.6
- Public transport0.0 percent
- Walked1.2 percent plus or minus 1.7
- Worked from home10.9 percent plus or minus 12.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardiner
SBA loans in Gardiner (7(a))
- Approvals2
- Gross approval$5,600,000
- Average approval$2,800,000
- Median approval$3,890,000
- Ninetieth percentile approval$3,890,000
- Largest approval$3,890,000
- Jobs supported7
- Jobs per approval3.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS1
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gardiner
SBA loans in Gardiner (504)
- Approvals2
- Gross approval$699,000
- Average approval$349,500
- Median approval$471,000
- Largest approval$471,000
- Jobs supported10
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Park County, not Gardiner
Park County context, not Gardiner figures
These are Park County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gardiner measurements.
- Establishments in Park County943
- Employment at those establishments, Park County5,399
- Covered employment, Park County7,207
- Average annual pay, Park County$52,162
- Average weekly wage, Park County$1,003
- Housing units permitted, Park County39
- Of those, single family, Park County39
- County product, 2024, Park County$898,871,000
- County product change over the prior year, Park County1.8 percent
- Average income of an arriving household, Park County$82,719
Every figure in this section is published for Park County as a whole and is not a measurement of Gardiner. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Gardiner questions, answered from the record.
How many people live in Gardiner, Montana?
647, in 375 households. Gardiner CDP covers 5.79 square miles of land, which is 112 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gardiner in?
Park County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gardiner?
$60,598. The median owner-occupied home is valued at $633,400. Median gross rent is $769 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gardiner businesses?
2 7(a) approvals totalling $5.6 m, across 2 lenders, median approval $3,890,000, plus 2 504 approvals worth $699,000. These count approvals to borrowers whose address is in Gardiner, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gardiner borrowers get paid back?
No rate is published for Gardiner. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Gardiner figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Park County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gardiner.
Is zoning published for Gardiner?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.