US5.com
  1. Home
  2. States
  3. North Dakota
  4. ZIP 58785
  5. Housing & Real Estate
Surrey city, ND

ZIP 58785 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58785

Median Home Value
$306,400
Median Rent
$723
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,968/mo PITI).

8%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

35.3 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 58785 in Surrey city, ND, a household would need roughly $84,000 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 $1,968. That sits below the local median household income ($104,750), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
94.7%+45% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
96.9%+11% vs US avg
x
4+ Bedrooms
22.9%+55% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
40.8%+7% vs US avg
x
$306,400
Home Value
$723
Rent
1996
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 detached87.2%
  • 1-unit attached2.3%
  • 2-9 units8.9%
  • 10+ units0.0%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$306,400
Median rent$723
Owner-occupied94.7%
Vacant3.9%
Price-to-income2.9x
Est. income to buy$84,000