ZIP Code 58504 — Bismarck, ND Home Prices (2026)
The typical home in ZIP 58504 (Bismarck, North Dakota) is worth about $363,000 at roughly $199 per square foot — about the same as the Bismarck median and 23% more expensive than the typical U.S. home.
How 58504 compares
ZIP 58504 is a mid-priced ZIP code for Bismarck: its typical home value of $363,000 ranks #2 of the 3 Bismarck ZIP codes we track (the citywide range runs from $311,000 in 58501 to $466,000 in 58503). Per square foot it costs about $199, against $199 for Bismarck as a whole, $121 for North Dakota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 58504 | $363,000 | $199 |
| Bismarck, ND | $363,000 | $199 |
| North Dakota | $238,000 | $121 |
| United States | $294,000 | $195 |
Home value by size in 58504
Using this ZIP’s rate of about $199 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $199,000 |
| 1,500 sq ft | $298,500 |
| 2,000 sq ft | $398,000 |
| 2,500 sq ft | $497,500 |
| 3,000 sq ft | $597,000 |
Salary needed to buy a home in ZIP 58504
To buy the typical $363,000 home in ZIP 58504 with 20% down, you need a household income of roughly $99,000 a year (about $2,300 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $117,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $18,200 | $2,860/mo | $123,000/yr |
| 10% (+PMI) | $36,300 | $2,740/mo | $117,000/yr |
| 20% | $72,600 | $2,300/mo | $99,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 58504
At about $199 per square foot, here is roughly how much home different budgets get you in ZIP 58504:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1510 sq ft | around the typical home here |
| $400k | 2010 sq ft | around the typical home here |
| $500k | 2510 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 58504 home.
Estimate a specific home in 58504
The estimator below is pre-set to ZIP 58504 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Bismarck ZIP codes by home value
Where 58504 sits among Bismarck’s 3 ZIP codes:
ZIP 58504 home prices: frequently asked
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See the full Bismarck home values page, all North Dakota cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.