Fargo, ND · standard
ZIP Code 58103
Cass County, North Dakota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 47,302
- 1,617/sq mi High-density area
- $58,801
- Median income Below-median income area
- $242,400
- Median home value Near-median home value
- 35.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 58103 (Fargo, ND) rose +3.8% from 2023 to 2024. The all-transactions index moved from 251.0 in 2023 to 260.6 in 2024 (2000 = 100).
ZIP code 58103 is a densely settled ZIP (a standard USPS delivery area) in Fargo, Cass County, North Dakota, with 47,302 residents across 29.3 square miles, a density of 1,617 people per square mile, in the Chicago time zone.
ZIP 58103 reports a modest median household income of $58,801 (29% below the average North Dakota ZIP), while per-capita income is $39,378. The poverty rate is 12.6%, 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 $242,400 (35% above the average North Dakota ZIP), with only 42.1% owner-occupied homes and median rent of $857.
A solid share of residents have a four-year degree: 35.8% of adults hold a bachelor's degree or higher, the median age is 35.1, and the average commute is 15 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Cass County, so 58103 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 58103
Top 5 sectors by establishment count in Fargo, ND
Which industries have the most business establishments in ZIP 58103.
- Retail trade
Retail trade
317 establishments
- Health care and social assistance
Health care and social assistance
246 establishments
- Other services (except public administration)
Other services (except public administration)
206 establishments
- Accommodation and food services
Accommodation and food services
187 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
176 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 58103, 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
47,302
Population
29.3
Area (sq mi)
1,617
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 58103?
35.1
Median Age
48.9%
Male
51.1%
Female
12.8%
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?
$58,801
Median Household Income
-29% vs state ZIP avg
$39,378
Per Capita Income
12.6%
Poverty Rate
3.7%
Unemployment Rate
14.9 min
Mean Commute Time
How ZIP 58103 ranks nationally
Fargo, ND 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
25,180housing units
25,180
Total Housing Units
23,776
Occupied Units
1,404
Vacant Units
2.01
Avg Household Size
Occupancy Type
$242,400
Median Home Value
+35% vs state ZIP avg
$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
16
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 →
ZIP 58103 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
- 58047 3,560
Horace (58047)
3,560 residents
- 58105 2,483
Fargo (58105)
2,483 residents
- 58042 1,386
Harwood (58042)
1,386 residents
What this shows Among its immediate neighbors, ZIP 58103 ranks the most populous - useful context the national average alone can't give.
ZIP 58103 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 58047
Horace (58047)
$142,361 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 58103 ranks #9 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 58103, 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 (47,302 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cass County
Related Areas
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.
Related
Take this with you
What to do with ZIP 58103's numbers, next.
- See how ZIP 58103 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fargo, ND ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.