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Napoleon city, ND

ZIP 58561 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58561

Median Home Value
$98,200
Median Rent
$471
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$631/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.4 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 58561 in Napoleon city, ND, a household would need roughly $27,000 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 $631. That sits below the local median household income ($57,500), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
21.3%+107% vs US avg
x
Broadband Access
82.2%-6% vs US avg
x
4+ Bedrooms
12.0%-19% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
67.4%+77% vs US avg
x
$98,200
Home Value
$471
Rent
1965
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached91.1%
  • 1-unit attached0.5%
  • 2-9 units2.0%
  • 10+ units1.8%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,200
Median rent$471
Owner-occupied81.0%
Vacant21.3%
Price-to-income1.7x
Est. income to buy$27,000