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Underwood city, ND

ZIP 58576 — 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 58576

Median Home Value
$197,900
Median Rent
$807
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,271/mo PITI).

11%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.4 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 58576 in Underwood city, ND, a household would need roughly $54,000 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 $1,271. That sits below the local median household income ($89,868), 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
81.6%+25% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
10.7%-28% vs US avg
x
Built Pre-1939
16.2%+27% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
57.0%+49% vs US avg
x
$197,900
Home Value
$807
Rent
1972
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached83.6%
  • 1-unit attached0.0%
  • 2-9 units14.7%
  • 10+ units0.0%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,900
Median rent$807
Owner-occupied81.6%
Vacant7.6%
Price-to-income2.2x
Est. income to buy$54,000