ZIP Code 58104 — Fargo city, ND Demographics & Data

ZIP code 58104 covers Fargo, ND in Cass County with a population of about 47,481.

At a glance, the area shows median age of 32.4 versus a U.S. median of about 38.9.

It sits in telephone area code 701; U.S. House district ND-00; the FARGO - VALLEY CITY media market.

Median household income in ZIP 58104 is about $85,014 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 3.0%; 48.9% of adults with a bachelor’s degree or higher (about 15.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $346,100 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,000 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 47.5% (about 17.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58104 in Fargo, ND, a household would need roughly $95,000 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 $2,223. That is roughly in line with the local median household income ($85,014). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fargo city, ND as Relatively Moderate (composite score 82.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (80.6) and wildfire (50.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fargo city, ND show little to no average snow and around 24.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,442 for ZIP 58104 (Fargo city, ND) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.