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Bismarck city, ND

ZIP 58501 — 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 58501

Median Home Value
$276,000
Median Rent
$861
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,773/mo PITI).

15%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

26.7 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 58501 in Bismarck city, ND, a household would need roughly $76,000 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 $1,773. That is roughly in line with the local median household income ($69,796). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.3%-3% vs US avg
x
Vacancy Rate
10.5%+2% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
21.6%-57% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$276,000
Home Value
$861
Rent
1969
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 detached54.1%
  • 1-unit attached8.7%
  • 2-9 units19.4%
  • 10+ units16.5%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$276,000
Median rent$861
Owner-occupied63.3%
Vacant10.5%
Price-to-income4.0x
Est. income to buy$76,000