US5.com
  1. Home
  2. States
  3. North Dakota
  4. ZIP 58230
  5. Housing & Real Estate
Finley city, ND

ZIP 58230 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58230

Median Home Value
$101,200
Median Rent
$588
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$650/mo PITI).

8%
Rent-to-Income Ratio

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

1.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.3 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 58230 in Finley city, ND, a household would need roughly $28,000 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 $650. That sits below the local median household income ($90,221), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.0%+12% vs US avg
x
Vacancy Rate
33.3%+223% vs US avg
x
Broadband Access
77.2%-11% vs US avg
x
4+ Bedrooms
7.5%-50% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
76.7%+101% vs US avg
x
$101,200
Home Value
$588
Rent
1953
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached88.1%
  • 1-unit attached0.0%
  • 2-9 units9.3%
  • 10+ units1.3%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$101,200
Median rent$588
Owner-occupied73.0%
Vacant33.3%
Price-to-income1.1x
Est. income to buy$28,000