ZIP Code 58481 — Spiritwood CDP, ND Demographics & Data

ZIP code 58481 covers Spiritwood, ND in Barnes County with a population of about 153.

At a glance, the area shows median age of 64.1 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.

Spiritwood, ND fits a retirement-oriented profile (high share of residents 65+ (47.1%)). 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 58481 is about $74,886 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 0.0%; 16.3% of adults with a bachelor’s degree or higher (about 17.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Public administration; a mean commute of about 103.0 minutes (U.S. average near 26.8).

Median home value is about $233,300 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.6% (about 21.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58481 in Spiritwood, ND, a household would need roughly $64,000 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 $1,499. That sits below the local median household income ($74,886), 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 Spiritwood CDP, ND as Relatively Low (composite score 45.9), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (65.4) and flood (41.3). 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 Spiritwood CDP, ND show little to no average snow and around 19.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 58481 (Spiritwood CDP, 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.