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Gilby city, ND

ZIP 58235 — 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 58235

Median Home Value
$111,000
Median Rent
$575
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$713/mo PITI).

9%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 58235 in Gilby city, 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.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.2%+43% vs US avg
x
Vacancy Rate
19.1%+86% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.6%-43% vs US avg
x
Mortgage-Free
56.0%+46% vs US avg
x
$111,000
Home Value
$575
Rent
1955
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached91.8%
  • 1-unit attached2.7%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,000
Median rent$575
Owner-occupied93.2%
Vacant19.1%
Price-to-income1.5x
Est. income to buy$31,000