ZIP Code 58311 — Loma city, ND Demographics & Data

ZIP code 58311 covers Loma, ND in Cavalier County with a population of about 65.

At a glance, the area shows median age of 61.7 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.

Loma, ND fits a retirement-oriented profile (high share of residents 65+ (41.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 58311 is about $79,375 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.7%; unemployment rate near 0.0%; 17.0% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Agriculture, and Manufacturing; about 9.7% of workers reporting work-from-home (about 5.5 points below the U.S. share (15.2%)); a mean commute of about 28.0 minutes (U.S. average near 26.8).

Median home value is about $94,000 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.9% (about 10.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58311 in Loma, ND, a household would need roughly $26,000 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 $604. That sits below the local median household income ($79,375), 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.

FEMA’s National Risk Index rates natural-hazard risk for Loma city, ND as Very Low (composite score 11.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (52.8) and flood (6.8). 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 Loma city, ND show little to no average snow and around 20.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 58311 (Loma 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.