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Fargo city, ND

ZIP 58102 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58102

Median Home Value
$235,600
Median Rent
$748
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,513/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 58102 in Fargo city, ND, a household would need roughly $65,000 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 $1,513. That is about 16% above the local median household income ($56,028), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
45.7%-30% vs US avg
x
Vacancy Rate
12.9%+26% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$235,600
Home Value
$748
Rent
1972
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached40.7%
  • 1-unit attached4.0%
  • 2-9 units15.0%
  • 10+ units37.7%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,600
Median rent$748
Owner-occupied45.7%
Vacant12.9%
Price-to-income4.2x
Est. income to buy$65,000