Fargo, ND · standard
ZIP Code 58102
Cass County, North Dakota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 29,850
- 369/sq mi
- $59,533
- Median income
- $242,200
- Median home value
- 45.9%
- Bachelor's or higher
National ZIP placement
Fargo pairs a below-median household income with above-median home values, in a low-density, mixed-tenure area.
- 28th pct
- household income, US ZIPs
- Top 45%
- home value, US ZIPs
- 369
- people per sq mi
- 46%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 58102 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 58102 (Fargo, ND) rose +2.2% from 2023 to 2024. The all-transactions index moved from 253.1 in 2023 to 258.7 in 2024 (2000 = 100).
ZIP code 58102 is a densely settled ZIP (a standard USPS delivery area) in Fargo, Cass County, North Dakota, with 29,850 residents across 80.9 square miles, a density of 369 people per square mile, in the Chicago time zone.
ZIP 58102 reports a modest median household income of $59,533 (28% below the average North Dakota ZIP), while per-capita income is $38,997. The poverty rate is 18.7%, with unemployment at 3.7%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $242,200 (35% above the average North Dakota ZIP), with only 46.2% owner-occupied homes and median rent of $836.
A solid share of residents have a four-year degree: 45.9% of adults hold a bachelor's degree or higher, the median age is 30.1, and the average commute is 16 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Cass County, so 58102 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 58102
Top 5 sectors by establishment count in Fargo, ND
Which industries have the most business establishments in ZIP 58102.
- Construction
Construction
159 establishments
- Wholesale trade
Wholesale trade
138 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
126 establishments
- Accommodation and food services
Accommodation and food services
119 establishments
- Retail trade
Retail trade
110 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 58102, Fargo, ND · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
29,850
Population
80.9
Area (sq mi)
369
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 58102?
30.1
Median Age
53.4%
Male
46.6%
Female
5.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$59,533
Median Household Income
-28% vs state ZIP avg
$38,997
Per Capita Income
18.7%
Poverty Rate
3.7%
Unemployment Rate
15.5 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
16,800housing units
16,800
Total Housing Units
14,968
Occupied Units
1,832
Vacant Units
2.07
Avg Household Size
Occupancy Type
$242,200
Median Home Value
+35% vs state ZIP avg
$836
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+2.2%
YoY Change (2024)
259
HPI Index (2000 = 100)
+159%
Total Change Since 2000
Home values in ZIP 58102 have increased 2.2% over the past year (2024). Since 2000, this ZIP has seen +159% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.3% | 206 |
| 2021 | +5.0% | 216 |
| 2022 | +14.4% | 247 |
| 2023 | +2.5% | 253 |
| 2024 | +2.2% | 259 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,245 business establishments in ZIP 58102, employing approximately 30,938 people with a combined annual payroll of $2,212,249,000.
1,245
Businesses
30,938
Employees
$2.2B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 159 | 12.8% |
| Wholesale trade | 138 | 11.1% |
| Professional, scientific, and technical services | 126 | 10.1% |
| Accommodation and food services | 119 | 9.6% |
| Retail trade | 110 | 8.8% |
| Other services (except public administration) | 102 | 8.2% |
| Transportation and warehousing | 81 | 6.5% |
| Manufacturing | 73 | 5.9% |
| Health care and social assistance | 69 | 5.5% |
| Finance and insurance | 66 | 5.3% |
| Administrative and support and waste management and remediation services | 65 | 5.2% |
| Real estate and rental and leasing | 64 | 5.1% |
| Information | 25 | 2.0% |
| Arts, entertainment, and recreation | 21 | 1.7% |
| Management of companies and enterprises | 13 | 1.0% |
| Educational services | 11 | 0.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 58102 vs 58105 →
ZIP 58102 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 58103
Fargo (58103)
47,302 residents
- 56560
Moorhead (56560)
40,766 residents
- 58102
Fargo (58102)
29,850 residents
- 58104
Fargo (58104)
28,322 residents
- 58078
West Fargo (58078)
26,321 residents
- 56529 4,026
Dilworth (56529)
4,026 residents
- 58105 2,483
Fargo (58105)
2,483 residents
- 58042 1,386
Harwood (58042)
1,386 residents
- 58005 854
Argusville (58005)
854 residents
What this shows Among its immediate neighbors, ZIP 58102 ranks #3 by population - useful context the national average alone can't give.
ZIP 58102 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 58005
Argusville (58005)
$142,917 median income
- 58042
Harwood (58042)
$137,500 median income
- 58105
Fargo (58105)
$123,636 median income
- 58078
West Fargo (58078)
$91,040 median income
- 56529
Dilworth (56529)
$90,694 median income
- 58104
Fargo (58104)
$85,747 median income
- 56560
Moorhead (56560)
$75,406 median income
- 58102
Fargo (58102)
$59,533 median income
- 58103
Fargo (58103)
$58,801 median income
What this shows By household income, ZIP 58102 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 58102, both outside ND so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (29,850 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.