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Bismarck city, ND

ZIP 58504 — 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 58504

Median Home Value
$282,100
Median Rent
$856
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,812/mo PITI).

13%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

27.5 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 58504 in Bismarck city, ND, a household would need roughly $78,000 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 $1,812. That is roughly in line with the local median household income ($78,671). 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
74.3%+14% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
14.5%-71% vs US avg
x
Mortgage-Free
47.0%+23% vs US avg
x
$282,100
Home Value
$856
Rent
1985
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 detached54.8%
  • 1-unit attached7.9%
  • 2-9 units7.8%
  • 10+ units15.4%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,100
Median rent$856
Owner-occupied74.3%
Vacant4.4%
Price-to-income3.6x
Est. income to buy$78,000