ZIP Code 58504 — Bismarck city, ND Demographics & Data

ZIP code 58504 covers Bismarck, ND in Burleigh County with a population of about 30,159.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

It sits in telephone area code 701; U.S. House district ND-00; the MINOT - BISMARCK - DICKINSON media market.

Median household income in ZIP 58504 is about $78,671 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.9%; unemployment rate near 3.7%; 31.4% of adults with a bachelor’s degree or higher (about 2.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 7.5% of workers reporting work-from-home (about 7.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $282,100 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $856 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 74.3% (about 8.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58504 in Bismarck, ND, a household would need roughly $78,000 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 $1,812. That is roughly in line with the local median household income ($78,671). 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 Bismarck city, ND as Relatively Moderate (composite score 85.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (84.1) and flood (77.4). 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 Bismarck city, ND show little to no average snow and around 19.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,551 for ZIP 58504 (Bismarck 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.