ZIP Code 58235 — Gilby city, ND Demographics & Data

ZIP code 58235 covers Gilby, ND in Grand Forks County with a population of about 609.

At a glance, the area shows median age of 36.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 58235 is about $74,688 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 2.1%; 29.1% of adults with a bachelor’s degree or higher (about 4.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Wholesale trade; about 14.0% of workers reporting work-from-home (about 1.2 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 $111,000 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $575 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 93.2% (about 27.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58235 in Gilby, ND, a household would need roughly $31,000 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 $713. That sits below the local median household income ($74,688), 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 Gilby city, ND as Relatively Low (composite score 57.7), which is near the middle of the national distribution. The strongest component scores on US5 are flood (61.7) and wildfire (55.3). 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 Gilby city, ND show little to no average snow and around 21.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 31 for ZIP 58235 (Gilby 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.