ZIP Code 58104 — Fargo, ND Home Prices (2026)
The typical home in ZIP 58104 (Fargo, North Dakota) is worth about $410,000 at roughly $195 per square foot — 48% more expensive than the Fargo median and 39% more expensive than the typical U.S. home.
How 58104 compares
ZIP 58104 is one of the pricier ZIP codes in Fargo: its typical home value of $410,000 ranks #1 of the 3 Fargo ZIP codes we track (the citywide range runs from $274,000 in 58103 to $410,000 in 58104). Per square foot it costs about $195, against $182 for Fargo as a whole, $121 for North Dakota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 58104 | $410,000 | $195 |
| Fargo, ND | $277,000 | $182 |
| North Dakota | $238,000 | $121 |
| United States | $294,000 | $195 |
Home value by size in 58104
Using this ZIP’s rate of about $195 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 | $195,000 |
| 1,500 sq ft | $292,500 |
| 2,000 sq ft | $390,000 |
| 2,500 sq ft | $487,500 |
| 3,000 sq ft | $585,000 |
Salary needed to buy a home in ZIP 58104
To buy the typical $410,000 home in ZIP 58104 with 20% down, you need a household income of roughly $112,000 a year (about $2,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $133,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $20,500 | $3,230/mo | $139,000/yr |
| 10% (+PMI) | $41,000 | $3,090/mo | $133,000/yr |
| 20% | $82,000 | $2,600/mo | $112,000/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 58104
At about $195 per square foot, here is roughly how much home different budgets get you in ZIP 58104:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1280 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1540 sq ft | below the local median — condos, smaller or older homes |
| $400k | 2050 sq ft | around the typical home here |
| $500k | 2560 sq ft | around the typical home here |
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 58104 home.
Estimate a specific home in 58104
The estimator below is pre-set to ZIP 58104 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Fargo ZIP codes by home value
Where 58104 sits among Fargo’s 3 ZIP codes:
ZIP 58104 home prices: frequently asked
What is the average home price in ZIP code 58104? +
What is the price per square foot in 58104? +
What salary do you need to buy a house in ZIP 58104? +
Is 58104 an expensive ZIP code? +
See the full Fargo 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.