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Mott city, ND

ZIP 58646 — 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 58646

Median Home Value
$86,300
Median Rent
$518
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$554/mo PITI).

11%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.9 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 58646 in Mott city, ND, a household would need roughly $24,000 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 $554. That sits below the local median household income ($54,821), 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

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.6%+22% vs US avg
x
Vacancy Rate
24.4%+137% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
59.5%+56% vs US avg
x
$86,300
Home Value
$518
Rent
1963
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached80.8%
  • 1-unit attached0.3%
  • 2-9 units12.1%
  • 10+ units0.5%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$86,300
Median rent$518
Owner-occupied79.6%
Vacant24.4%
Price-to-income1.6x
Est. income to buy$24,000