ZIP Code 58540 — Garrison city, ND Demographics & Data

ZIP code 58540 covers Garrison, ND in McLean County with a population of about 2,986.

At a glance, the area shows median age of 50.0 versus a U.S. median of about 38.9.

It sits in telephone area code 701; U.S. House district ND-00; the MINOT - BISMARCK - DICKINSON media market.

Median household income in ZIP 58540 is about $75,625 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 1.1%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 6.0% of workers reporting work-from-home (about 9.1 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 $257,800 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $521 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 85.1% (about 19.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58540 in Garrison, ND, a household would need roughly $71,000 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 $1,656. That is roughly in line with the local median household income ($75,625). 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 Garrison city, ND as Relatively Low (composite score 43.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (77.0) and flood (33.1). 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 Garrison city, ND show little to no average snow and around 17.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 154 for ZIP 58540 (Garrison 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.