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West Fargo city, ND

ZIP 58078 — 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 58078

Median Home Value
$303,200
Median Rent
$978
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,948/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.8 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 58078 in West Fargo city, ND, a household would need roughly $83,000 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 $1,948. That sits below the local median household income ($97,206), 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
64.4%-1% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
13.0%-12% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
3.6%-48% vs US avg
x
Rent Burden >30%
17.7%-64% vs US avg
x
Mortgage-Free
27.2%-29% vs US avg
x
$303,200
Home Value
$978
Rent
2003
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached52.3%
  • 1-unit attached15.0%
  • 2-9 units7.7%
  • 10+ units21.9%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$303,200
Median rent$978
Owner-occupied64.4%
Vacant4.1%
Price-to-income3.1x
Est. income to buy$83,000