ZIP Code 58021 — Horace city, ND Demographics & Data

ZIP code 58021 covers Horace, ND in Cass County with a population of about 528.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area code 701; U.S. House district ND-00; the FARGO - VALLEY CITY media market.

Median household income in ZIP 58021 is about $80,417 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.9%; unemployment rate near 0.0%; 33.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Healthcare; about 4.5% of workers reporting work-from-home (about 10.6 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 $241,800 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 99.0% (about 33.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58021 in Horace, ND, a household would need roughly $67,000 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 $1,553. That sits below the local median household income ($80,417), 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.

FEMA’s National Risk Index rates natural-hazard risk for Horace city, ND as Relatively Moderate (composite score 82.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (80.6) and wildfire (50.5). 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 Horace city, ND show little to no average snow and around 24.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 58021 (Horace 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.