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Grafton city, ND

ZIP 58237 — 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 58237

Median Home Value
$154,900
Median Rent
$607
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$995/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 58237 in Grafton city, ND, a household would need roughly $43,000 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 $995. That sits below the local median household income ($68,056), 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
70.0%+7% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
54.8%+43% vs US avg
x
$154,900
Home Value
$607
Rent
1972
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached67.4%
  • 1-unit attached3.1%
  • 2-9 units14.6%
  • 10+ units9.7%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,900
Median rent$607
Owner-occupied70.0%
Vacant9.5%
Price-to-income2.3x
Est. income to buy$43,000