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Cavalier city, ND

ZIP 58220 — 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 58220

Median Home Value
$165,900
Median Rent
$663
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,066/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.9 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 58220 in Cavalier city, ND, a household would need roughly $46,000 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 $1,066. That sits below the local median household income ($61,875), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.5%+2% vs US avg
x
Vacancy Rate
15.4%+49% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
58.7%+54% vs US avg
x
$165,900
Home Value
$663
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 detached76.3%
  • 1-unit attached0.6%
  • 2-9 units10.3%
  • 10+ units5.5%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,900
Median rent$663
Owner-occupied66.5%
Vacant15.4%
Price-to-income2.7x
Est. income to buy$46,000