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Rugby city, ND

ZIP 58368 — 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 58368

Median Home Value
$151,200
Median Rent
$593
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$971/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.2 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 58368 in Rugby city, ND, a household would need roughly $42,000 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 $971. That sits below the local median household income ($56,209), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.0%-46% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$151,200
Home Value
$593
Rent
1972
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached82.0%
  • 1-unit attached2.3%
  • 2-9 units10.5%
  • 10+ units2.6%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$151,200
Median rent$593
Owner-occupied76.6%
Vacant9.9%
Price-to-income2.7x
Est. income to buy$42,000