Fargo, ND · standard

ZIP Code 58103

Cass County, North Dakota — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 10, 2026

47,302
1,617/sq mi: $58,801
Median income: $242,400
Median home value: 35.8%
Bachelor's or higher

The verdict

Fargo pairs a below-median household income with above-median home values, in a low-density, mixed-tenure area.

27th pct
household income, US ZIPs: Top 44%
home value, US ZIPs: 1,617
people per sq mi: 42%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 58103 against every reporting US ZIP.

ZIP code 58103 is classified by USPS as a standard delivery area and covers roughly 29.3 square miles in Fargo, Cass County, North Dakota. The area is home to 47,302 residents, producing a population density of 1,617 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 58103 against North Dakota and the nation.

On the economic side, the median household income for ZIP 58103 sits at $58,801 (29% below the North Dakota average), while per-capita income is $39,378. The poverty rate stands at 12.6% and the unemployment rate at 3.7%. On housing, the median home value is $242,400 (35% above the state average) with median rent at $857 per month, and 42.1% of occupied units are owner-occupied, a direct signal of whether 58103 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.8% of adults hold a bachelor's degree or higher, the median age is 35.1, and the average commute is 15 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cass County, so you can benchmark 58103 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 58103

Retail trade

317
Health care and social assistance

246
Other services (except public administration)

206
Accommodation and food services

187
Professional, scientific, and technical services

176

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 58103, Fargo, ND · 2023 Accessed 2026-06-10 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

47,302

Population

29.3

Area (sq mi)

1,617

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard

Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.

View Scorecard →

Who lives in ZIP 58103?

35.1

Median Age

48.9%

Male

51.1%

Female

12.8%

Foreign-Born

White 75.0%

African American 11.3%

Asian 4.5%

American Indian or Alaska Native 1.7%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 5.8%

Hispanic or Latino 3.7%

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?

$58,801

Median Household Income

-29% vs state

$39,378

Per Capita Income

12.6%

Poverty Rate

3.7%

Unemployment Rate

14.9 min

Mean Commute Time

How ZIP 58103 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$58,801 27th percentile higher than 27% of 30,318 US ZIPs

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.6%

Bachelor's Degree or Higher 35.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

25,180

Total Housing Units

23,776

Occupied Units

1,404

Vacant Units

2.01

Avg Household Size

Occupancy Type

Owner 42.1%

Renter 57.9%

$242,400

Median Home Value

+35% vs state

$857

Median Rent

1982

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

+3.8%

YoY Change (2024)

261

HPI Index (2000 = 100)

+161%

Total Change Since 2000

Home values in ZIP 58103 have increased 3.8% over the past year (2024). Since 2000, this ZIP has seen +161% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+1.8%	202
2021	+5.6%	213
2022	+11.5%	238
2023	+5.5%	251
2024	+3.8%	261

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 1,905 business establishments in ZIP 58103, employing approximately 37,012 people with a combined annual payroll of $1,949,666,000.

1,905

Businesses

37,012

Employees

$1.9B

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	317	16.6%
Health care and social assistance	246	12.9%
Other services (except public administration)	206	10.8%
Accommodation and food services	187	9.8%
Professional, scientific, and technical services	176	9.2%
Finance and insurance	168	8.8%
Construction	148	7.8%
Real estate and rental and leasing	124	6.5%
Administrative and support and waste management and remediation services	83	4.4%
Wholesale trade	77	4.0%
Transportation and warehousing	38	2.0%
Arts, entertainment, and recreation	35	1.8%
Information	34	1.8%
Manufacturing	28	1.5%
Educational services	19	1.0%
Management of companies and enterprises	17	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 58103 vs 58105 →

58103

47,302
56560

40,766
58102

29,850
58104

28,322
58078

26,321
56529

4,026
58047

3,560
58105

2,483
58042

1,386

What this shows Among its immediate neighbors, ZIP 58103 ranks the most populous — useful context the national average alone can't give.

58047

$142,361
58042

$137,500
58105

$123,636
58078

$91,040
56529

$90,694
58104

$85,747
56560

$75,406
58102

$59,533
58103

$58,801

What this shows By household income, ZIP 58103 ranks #9 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
58105	Fargo, ND	2,483	2.8 mi
58102	Fargo, ND	29,850	4.5 mi
58104	Fargo, ND	28,322	4.4 mi
56560	Moorhead, MN	40,766	4.2 mi
58078	West Fargo, ND	26,321	5.2 mi
56529	Dilworth, MN	4,026	6.4 mi
58047	Horace, ND	3,560	10.0 mi
58042	Harwood, ND	1,386	10.1 mi

More ZIP Codes in Cass County

Cass County Fargo, ND North Dakota

Frequently Asked Questions

What county is ZIP code 58103 in? ▼

ZIP code 58103 (Fargo) is located in Cass County, North Dakota. Cass County contains multiple ZIP codes, see the full list at /counties/cass-nd.

What is the population of ZIP code 58103? ▼

ZIP code 58103 in Fargo, ND has a population of 47,302 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 58103? ▼

The median household income in ZIP 58103 is $58,801, which is 23% below the national average of $76,288.

What is the average home value in ZIP 58103? ▼

The median home value in ZIP 58103 is $242,400, which is 13% below the national average of $278,155.

What is the demographic makeup of ZIP 58103? ▼

The largest racial group in ZIP 58103 is White at 75.0%. Hispanic or Latino residents make up 3.7% of the population.

How many businesses are in ZIP code 58103? ▼

ZIP code 58103 has 1,905 business establishments employing approximately 37,012 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 58103? ▼

The top industries by establishment count in ZIP 58103 are: Retail trade (317), Health care and social assistance (246), Other services (except public administration) (206). There are 16 industry sectors represented in total.

How have home values changed in ZIP code 58103? ▼

According to the FHFA House Price Index, home values in ZIP 58103 increased by 3.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 161%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.

What is the education level in ZIP code 58103? ▼

In ZIP code 58103, 57.6% of residents aged 25+ have a high school diploma or higher, and 35.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What is the average commute time in ZIP 58103? ▼

The mean commute time for workers in ZIP code 58103 is 14.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 58103? ▼

In ZIP code 58103, approximately 42.1% of occupied housing units are owner-occupied and 57.9% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 58103? ▼

The poverty rate in ZIP code 58103 is 12.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.