ZIP Code 58576 — Underwood city, ND Demographics & Data

ZIP code 58576 covers Underwood, ND in McLean County with a population of about 1,005.

At a glance, the area shows median age of 43.1 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 58576 is about $89,868 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 4.8%; 21.8% of adults with a bachelor’s degree or higher (about 11.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Agriculture; about 4.9% of workers reporting work-from-home (about 10.3 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 $197,900 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $807 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 81.6% (about 16.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 58576 in Underwood, ND, a household would need roughly $54,000 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 $1,271. That sits below the local median household income ($89,868), 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.

FEMA’s National Risk Index rates natural-hazard risk for Underwood 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 Underwood city, ND show little to no average snow and around 18.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 52 for ZIP 58576 (Underwood 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.