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Thompson city, ND

ZIP 58278 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58278

Median Home Value
$314,400
Median Rent
$603
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,020/mo PITI).

7%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

43.4 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 58278 in Thompson city, ND, a household would need roughly $87,000 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 $2,020. That sits below the local median household income ($103,571), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
94.1%+44% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
13.1%-11% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
43.8%+15% vs US avg
x
$314,400
Home Value
$603
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached88.2%
  • 1-unit attached4.0%
  • 2-9 units2.5%
  • 10+ units0.5%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$314,400
Median rent$603
Owner-occupied94.1%
Vacant3.2%
Price-to-income3.0x
Est. income to buy$87,000