Median Income
$48,897
35% lower than US avg
Home Value
$98,800
65% lower than US avg
Violent Crime
538/100K
42% higher than US avg
Bachelor's+
16.3%
52% lower than US avg
Obesity Rate
37.4%
17% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Gildford Compares to the U.S. Average (100% = U.S. avg)
People
Population132
Median Age43.5 yrs
Density116/mi²
Male / Female55% / 46%
Largest GroupWhite 97%
Veterans94.0%
Economy
A
Median Income$48,897
Per Capita$28,726
Unemployment0.0%
Poverty0.0%
County GDP$925M
Commute22 min
Housing
A+
Home Value$98,800
Ownership60.0%
Zillow$261,487
Housing Units76
Rent Burden15.8%
Crime
F
Violent538/100K
Property3,605/100K
Health
Obesity37.4%
Uninsured10.7%
Smoking17.6%
Depression29.1%
Heart Disease6.1%
Climate
Avg Temp42°F (5°C)
AQI26 (Good)
Rain11.1 in/yr
Sunny Days274/yr
Elevation2,826 ft (861 m)
Education
C
Bachelor's+16.3%
High School+93.0%
Graduate+0.0%
School Score4.88
Community
2024 VoteR 57% / D 39%
Commute22 min
Broadband55.0%
Libraries1
Is Gildford a Good Place to Live?
Based on current data, Gildford receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, below-average incomes. Gildford offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Gildford is $48,897, 35% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Gildford is $98,800, 65% below the national median / offering relatively affordable homeownership. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 538 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 3,605 per 100,000, 84% above the national average.
Education
16.3% of residents hold a bachelor's degree, below the national average of 33.7%. 93.0% have completed high school. Area schools have an average test score of 4.9/10.
Climate & Weather
Gildford has a cool climate with an average annual temperature of 42°F. Winters average 17°F in January while summers reach 67°F in July. With 274 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 11.1 inches. Air quality is rated Good with a median AQI of 26.
Gildford has a population of 132 with a density of 116 people per square mile, spread across 1.1 square miles. The median age is 43.5 years, 12% older than the national median of 38.9. The gender split is 45.5% female and 54.5% male. The city is predominantly White (97%), with 3% Hispanic. English is the primary language spoken at home by 100% of residents. 94.0% of the population are veterans, above the national rate of 6.0%. 7.8% of residents have a disability (below the 13.0% national average). 92.8% have health insurance coverage.
Population
43.5yrs
Median Age
12% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Gildford is $48,897, which is 35% below the national average of $75,149. Per capita income is $28,726 (below the $39,052 national figure). The average weekly wage is $946, 34% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 601 business establishments, including 56 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $48,897 |
| 35% below US avg |
| Per Capita Income | $28,726 |
| Avg Weekly Wage | $946 |
| IRS Avg AGI | $59,947 |
| Gini Index | 0.409 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 601 |
| County GDP | $925M |
Business (County)
| Restaurants | 56 |
| Healthcare | 58 |
| Retail | 68 |
| Manufacturing | 12 |
Tax & Cost of Living
| Property Tax (IRS) | $3,257 |
| 7% below US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 3.30% |
Commute & Transportation
| Commute Time | 22.3 min |
| Drive Alone | 72.9% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Gildford is $98,800, 65% below the national median of $281,900. Zillow estimates the typical home value at $261,487, higher than the Census estimate. Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 60.0% of housing units are owner-occupied. There are 76 total housing units in the city. The median year a home was built is 1941. The average annual property tax is $3,257. 15.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $98,800 |
| 65% below US avg |
| Zillow ZHVI | $261,487 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $988 |
| 1 Bedroom | $1,076 |
| 2 Bedrooms | $1,336 |
| 3 Bedrooms | $1,789 |
| 4 Bedrooms | $2,113 |
Ownership & Property
| Homeownership | 60.0% |
| Owner-Occupied | 60.0% |
| Renter-Occupied | 40.0% |
| Housing Units | 76 |
| Median Year Built | 1941 |
Property Tax
| Avg Tax (IRS) | $3,257 |
| 7% below US avg |
| Effective Rate | 3.30% |
In Gildford, 37.4% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 6.1% of residents. 32.1% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 22.0% report binge drinking. 23.8% are physically inactive. 29.1% report depression (above the 20.0% national average). 21.6% experience frequent mental distress. 10.7% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,471. The dentist ratio is 1:1,148. 71.8% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Gildford vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.4% |
| 17% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 6.1% |
| High Blood Pressure | 32.1% |
| Asthma | 12.6% |
| COPD | 7.7% |
| Cancer | 7.5% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 22.0% |
| Physical Inactivity | 23.8% |
| Depression | 29.1% |
| Mental Distress | 21.6% |
| Physical Distress | 15.6% |
| Short Sleep | 33.9% |
Healthcare Access
| Insurance Rate | 92.8% |
| Uninsured | 10.7% |
| 24% above US avg |
| Primary Care | 1:1,471 |
| Dentists | 1:1,148 |
| Mental Health | 1:247 |
| Checkup Rate | 70.1% |
| Dental Visits | 63.7% |
| Premature Death | 12,044/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 71.8% |
| Healthcare Facilities | 58 |
Gildford has a violent crime rate of 538 per 100,000 residents, 42% above the national average of 380. Property crime stands at 3,605 per 100,000, 84% above the U.S. average. The county recorded 1 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Gildford receives a safety grade of F.
Crime Rates: Gildford vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 538.2/100K |
| 42% above US avg |
| |
Property Crime
| Total Property | 3,604.8/100K |
| 84% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 11 |
| Avg Accident Severity | 2.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Gildford has a cool climate with an average annual temperature of 42°F (5°C). Winters average 17°F in January while summers reach 67°F in July. The area gets 274 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 11.1 inches (drier than the 38-inch national average). Air quality is rated Good with a median AQI of 26 / among the cleanest air in the country. The city sits at an elevation of 2,826 feet.
Temperature
17°F Jan (-8°C)
67°F Jul (20°C)
| Annual Average | 41.7°F |
| 23% below US avg |
| January Average | 17°F (-8°C) |
| July Average | 67°F (20°C) |
| Sunny Days | 274 days/yr |
Geography
| Elevation | 2,826 ft (861 m) |
| Area | 1.1 sq mi (3.0 km²) |
| Population Density | 116/sq mi |
| Coordinates | 48.5737°N, 110.3071°W |
| Timezone | America/Denver |
| County | Hill County County |
| Nearest Airport | Great Falls International (GTF)
90 miles away |
Precipitation & Snow
Annual Rainfall
11.1"
71% below US avg
Wettest Month (Jun)
2.13"
Air Quality
| AQI Median | 26.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 7.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 50.5 / 100 |
| Social Vulnerability | 67.1 / 100 |
| Community Resilience | 38.1 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
11 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M3.1 on Apr 2, 2014.
| Aug 16, 1994 |
27 km W of Chester, Montana |
M3.9 |
76 km |
| Jun 5, 1991 |
18 km SW of Shelby, Montana |
M3.6 |
127 km |
| Jan 20, 2003 |
10 km S of Little Browning, Montana |
M3.5 |
150 km |
| Nov 6, 2002 |
3 km SSE of Little Browning, Montana |
M3.4 |
149 km |
| Jan 1, 1993 |
20 km WSW of Sweet Grass, Montana |
M3.4 |
143 km |
| May 29, 2009 |
11 km S of Little Browning, Montana |
M3.2 |
150 km |
| Apr 2, 2014 |
13 km NNW of Conrad, Montana |
M3.1 |
131 km |
| Dec 5, 1991 |
15 km WSW of Hays, Montana |
M3.0 |
125 km |
| Mar 29, 2008 |
4 km SSE of Little Browning, Montana |
M2.6 |
148 km |
| Mar 29, 2008 |
3 km SSE of Cut Bank, Montana |
M2.5 |
147 km |
| Feb 25, 2013 |
28 km WSW of Chester, Montana |
M2.5 |
76 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
21 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 5 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 5, 1988 |
EF3 |
83 km |
0 |
| Jul 5, 1988 |
EF3 |
71 km |
0 |
| Jul 8, 2002 |
EF1 |
79 km |
0 |
| Jun 16, 1995 |
EF1 |
44 km |
0 |
| May 25, 1980 |
EF1 |
51 km |
0 |
| May 25, 1980 |
EF1 |
10 km |
0 |
| May 24, 1977 |
EF1 |
34 km |
0 |
| Jul 10, 1965 |
EF1 |
94 km |
0 |
| Jul 1, 1962 |
EF1 |
38 km |
0 |
| Jun 13, 2014 |
EF0 |
81 km |
0 |
| Jun 5, 2012 |
EF0 |
70 km |
0 |
| Jun 18, 1999 |
EF0 |
79 km |
0 |
| Jun 2, 1999 |
EF0 |
67 km |
0 |
| Jun 27, 1996 |
EF0 |
47 km |
0 |
| Jun 26, 1994 |
EF0 |
33 km |
0 |
| Jun 26, 1994 |
EF0 |
36 km |
0 |
| Aug 16, 1993 |
EF0 |
32 km |
0 |
| Aug 3, 1992 |
EF0 |
55 km |
0 |
| Jul 5, 1990 |
EF0 |
82 km |
0 |
| Jul 5, 1988 |
EF0 |
82 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
14 wildfires (100+ acres) within 100 km.
Largest: BLAINE C (138,192 ac, 1991).
| Year |
Name |
Acres |
Distance |
| 1991 |
BLAINE C |
138,192 |
84 km |
| 2017 |
EAST FORK |
21,165 |
66 km |
| 1984 |
CENTENNIAL |
11,775 |
55 km |
| 2022 |
EAGLE CREEK |
6,359 |
69 km |
| 1988 |
LOSTCANYON |
4,532 |
57 km |
| 2008 |
CHOUTEAU CO COMPLEX |
4,365 |
69 km |
| 2014 |
MIDDLE BLACK |
3,854 |
80 km |
| 2012 |
OUTHOUSE |
3,179 |
57 km |
| 2007 |
CHOUTEAU CO ASST |
2,646 |
93 km |
| 2021 |
EAGLE BUTTE |
1,817 |
84 km |
| 2012 |
BIG STRETCH |
1,524 |
42 km |
| 1999 |
SHIRLEY |
1,290 |
46 km |
| 2008 |
MAGEE 2 |
1,210 |
98 km |
| 2023 |
HWY 236 |
1,049 |
67 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
17°F (-8°C) |
0.4 in |
Coldest |
| February |
22°F (-6°C) |
0.3 in |
Driest |
| March |
31°F (-0°C) |
0.5 in |
|
| April |
43°F (6°C) |
0.8 in |
|
| May |
54°F (12°C) |
1.9 in |
|
| June |
62°F (17°C) |
2.1 in |
Wettest |
| July |
67°F (20°C) |
1.3 in |
|
| August |
67°F (20°C) |
1.3 in |
Warmest |
| September |
56°F (13°C) |
1.2 in |
|
| October |
45°F (7°C) |
0.5 in |
|
| November |
29°F (-2°C) |
0.3 in |
|
| December |
19°F (-7°C) |
0.5 in |
|
Gildford has a seasonal temperature swing of 50°F / from 17°F in January to 67°F in August. Total annual precipitation is 11.1 inches, with June being the wettest month (2.1") and February the driest (0.3").
Average costs for common services in Gildford. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$237 ($142–$378) |
| Specialist Visit |
$331 ($189–$520) |
| Urgent Care Visit |
$189 ($95–$331) |
| Emergency Room Visit |
$2,081 ($757–$4,730) |
| Dental Cleaning |
$123 ($71–$189) |
| Dental Filling |
$237 ($142–$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$114) |
| Brake Pad Replacement |
$284 ($142–$473) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$568 ($378–$946) |
| Battery Replacement |
$189 ($95–$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57–$142) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$378 ($142–$757) |
| HVAC System Install |
$6,622 ($3,784–$11,352) |
| Roof Repair |
$946 ($378–$1,892) |
| Roof Replacement |
$8,514 ($5,203–$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473–$3,311) |
| Divorce (Contested) |
$14,190 ($4,730–$28,380) |
| DUI Defense |
$4,730 ($1,892–$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757–$2,838) |
| Will Preparation |
$473 ($189–$946) |
| Trust Preparation |
$2,365 ($946–$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$52 ($28–$95) |
| Hair Coloring (Full) |
$142 ($71–$237) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$76 ($47–$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84–$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37–$4.73) |
| Loaf of Bread |
$3.59 ($2.37–$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84–$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78–$7.10) |
| Rice (per lb) |
$0.95 ($0.57–$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76–$237) |
| Natural Gas (Monthly) |
$66 ($28–$142) |
| Water/Sewer (Monthly) |
$66 ($38–$114) |
| Internet (Monthly) |
$66 ($38–$95) |
| Cell Phone Plan (Monthly) |
$61 ($28–$95) |
| Cable TV (Monthly) |
$80 ($47–$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71–$473) |
| Car Insurance (Annual) |
$1,892 ($1,135–$3,311) |
| Bus Pass (Monthly) |
$66 ($28–$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57–$24) |
| Car Registration (Annual) |
$95 ($28–$237) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568–$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473–$1,892) |
| After-School Care (Monthly) |
$378 ($189–$662) |
| Tutoring (Per Hour) |
$47 ($24–$95) |
| SAT/ACT Prep Course |
$946 ($378–$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730–$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28–$95) |
| Dog Vaccination (Annual) |
$95 ($47–$189) |
| Dog Grooming |
$57 ($28–$95) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$284 ($142–$473) |
| Cat Spay/Neuter |
$189 ($95–$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $912 |
| Toddler | $948 |
| Preschool | $815 |
| Family Childcare (monthly) |
| Infant | $737 |
| Toddler | $752 |
| Preschool | $752 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Gildford
What is the population of Gildford?
Gildford has a population of 132 residents and is located in Montana. The population density is 116 people per square mile, spread across 1.1 square miles. The median age of residents is 43.5 years, which is older than the national median of 38.9 years. The population is 45.5% female and 54.5% male.
Is Gildford expensive to live in?
Gildford is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $48,897, 35% below the national average of $75,149. The median home value is $98,800 (65% below the U.S. median). The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.
Is Gildford safe?
The violent crime rate in Gildford is 538 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 3,605 per 100,000 (above the national average). Overall, Gildford receives a safety grade of F based on combined crime data.
What is the weather like in Gildford?
Gildford has a cool climate with an average annual temperature of 42°F (5°C). Winter temperatures average 17°F in January, while summers reach an average of 67°F in July. The area receives 274 sunny days per year, well above the national average of 205. Annual rainfall totals 11.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 26.
How is the job market in Gildford?
The job market in Gildford is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $946. There are 601 business establishments in the area, including 56 restaurants and food service locations. The average commute time is 22 minutes, and 0.0% of workers work from home.
How much does housing cost in Gildford?
The median home value in Gildford is $98,800. Zillow estimates the typical home value at $261,487. The homeownership rate is 60.0%. The average annual property tax is $3,257.
How are the schools in Gildford?
Schools in Gildford have an average test score of 4.9 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 16.3% of adults in Gildford hold a bachelor's degree or higher, below the national average of 33.7%. 93.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Gildford?
The obesity rate in Gildford is 37.4% (above the national rate of 32.1%). 17.6% of adults are smokers. 23.8% are physically inactive. 29.1% of residents report depression. 10.7% lack health insurance (above the national rate). 71.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,471.
What is transportation like in Gildford?
The average commute in Gildford is 22 minutes, shorter than the national average of 28 minutes. 72.9% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Gildford?
The racial and ethnic makeup of Gildford is 97% White, 3% Hispanic or Latino. 100% of residents speak only English at home. 94.0% of the population are military veterans. 7.8% of residents have a disability. 92.8% have health insurance coverage.
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