ZIP Code 58103: Population, Income, Housing

State: ND

Total population: 48,796 Household income: $58,801 Rent: $857

Overview

Total population

48,796

Rent

$857

Year built

1982

Household income

$58,801

Per capita income

$39,378

Poverty rate

12.6%

Unemployment rate

N/A

Household size

2.0 persons

Rent over 30% of income

38.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

North Dakota

County

Cass County

City

Fargo

Total population

48,796

Adults over 25

33,100

Total households

23,776

Household size

2.0 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$58,801

Per capita income

$39,378

Poverty rate

12.6%

Unemployment rate

N/A

Rent over 30% of income

38.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$857

Year built

1982

Households that rent

57.9%

Households that own

42.1%

Rooms per home (all homes)

4.5

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

75%

Black

11.3%

Asian

4.5%

Two or more races

5.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

3.7%

Not Hispanic or Latino

96.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

25,037 (90.5%)

Commute time to work

15 mins

Work from home

2,633 (9.5%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

28.2%

High school graduate or GED

21.8%

Some college or associate degree

14.2%

Bachelor’s degree or higher

35.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 58103 with: Cass County, ND Fargo, ND Fargo metro area, ND-MN North Dakota United States

ZIP 58103

Total population48,796

Rent$857

Year built1982

Household income$58,801

Per capita income$39,378

Poverty rate12.6%

Unemployment rateN/A

Cass County, ND

Total population193,400

Rent$958

Year built1993

Household income$75,555

Per capita income$45,643

Poverty rate11%

Unemployment rate2.4%

Fargo, ND

Total population131,627

Rent$946

Year built1991

Household income$66,998

Per capita income$42,734

Poverty rate12.9%

Unemployment rate2.4%

Fargo Metro Area, ND-MN

Total population259,459

Rent$967

Year built1991

Household income$76,756

Per capita income$44,190

Poverty rate11.6%

Unemployment rate2.3%

North Dakota State

Total population784,841

Rent$954

Year built1982

Household income$76,657

Per capita income$43,389

Poverty rate10.8%

Unemployment rate2.4%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP58103	CountyCass, ND	CityFargo, ND	Metro AreaFargo metro area, ND-MN	StateNorth Dakota	CountryUnited States
Total population	48,796	193,400	131,627	259,459	784,841	334,922,499
Rent	$857	$958	$946	$967	$954	$1,413
Year built	1982	1993	1991	1991	1982	1980
Household income	$58,801	$75,555	$66,998	$76,756	$76,657	$80,734
Per capita income	$39,378	$45,643	$42,734	$44,190	$43,389	$44,673
Poverty rate	12.6%	11%	12.9%	11.6%	10.8%	12.5%
Unemployment rate	N/A	2.4%	2.4%	2.3%	2.4%	4%

View the full multi-level comparison →

Summary for 58103

Rent & Income

In 58103, the typical monthly rent is $857 and the typical household income is $58,801. Rent here is lower than in both Fargo and North Dakota, and household income is also lower than in both. The estimated poverty rate is 12.6%, which is similar to the Fargo rate and higher than the North Dakota rate.

Housing & Affordability

Renters make up about 57.9% of households, making this a predominantly renter area. Around 38.4% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is high, with about 35.8% of adults holding a bachelor’s degree or higher.

ZIP 58103 — Rent vs Household Income

ZIP 58103 — Poverty

How ZIP 58103 compares in North Dakota (9 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$857	2 / 9	from lower rent	$836 – $1,132
Household income	$58,801	9 / 9	from higher income	$58,801 – $102,333
Poverty rate	12.6%	7 / 9	from lower poverty	4.3% – 18.7%

Rankings are calculated among ZIP Codes in North Dakota with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 58103

Rent

Rent-wise, this area comes 2nd out of 9 ZIP Codes in North Dakota. At the state level, values extend from $836 in ZIP 58102 up to $1,132 in ZIP 58503.

Household income

Looking at income levels, ZIP Code 58103 holds the 9th out of 9 ZIP Codes. In North Dakota as a whole, the range goes from $58,801 in ZIP 58103 up to $102,333 in ZIP 58503.

Poverty rate

Regarding poverty rate, ZIP Code 58103 ranks 7th out of 9 ZIP Codes. Statewide, values range from 4.3% in ZIP 58503 up to 18.7% in ZIP 58102.

💰 Rent in ZIP Code 58103 (with Utilities)

Estimated Monthly Rent: $857 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 58103

Annual Household Income: $58,801

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 58103

Estimated Rate: 12.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 58103

In ZIP Code 58103, households that rent: 13,760 (57.9%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	13,760	57.9%
Owner-Occupied	10,016	42.1%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 58103

In ZIP Code 58103, cost-burdened renters (households spending over 30% of income on housing): 5,283 (38.4%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	5,283	38.4%
Other renter households	8,477	61.6%
Total renter households	13,760	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 58103

Less than High School: 9,339 people (28.2%)

Includes adults who did not complete high school.

High School Graduate or GED: 7,212 people (21.8%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 4,705 people (14.2%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 11,844 people (35.8%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 33,100

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.