Fargo, ND · standard

ZIP Code 58104

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

28,322
382/sq mi: $85,747
Median income: $359,400
Median home value: 49.1%
Bachelor's or higher

The verdict

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

Top 31%
household income, US ZIPs: Top 25%
home value, US ZIPs: 382
people per sq mi: 45%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 58104 against every reporting US ZIP.

ZIP code 58104 is classified by USPS as a standard delivery area and covers roughly 74.2 square miles in Fargo, Cass County, North Dakota. The area is home to 28,322 residents, producing a population density of 382 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 58104 against North Dakota and the nation.

On the economic side, the median household income for ZIP 58104 sits at $85,747 (4% above the North Dakota average), while per-capita income is $51,959. The poverty rate stands at 9.0% and the unemployment rate at 3.5%. On housing, the median home value is $359,400 (100% above the state average) with median rent at $1,115 per month, and 45.4% of occupied units are owner-occupied, a direct signal of whether 58104 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 49.1% of adults hold a bachelor's degree or higher, the median age is 32.3, and the average commute is 16 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cass County, so you can benchmark 58104 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 58104

Health care and social assistance

194
Construction

147
Professional, scientific, and technical services

141
Finance and insurance

113
Retail trade

98

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 58104, 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

28,322

Population

74.2

Area (sq mi)

382

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 58104?

32.3

Median Age

49.8%

Male

50.2%

Female

9.3%

Foreign-Born

White 79.9%

African American 9.0%

Asian 4.0%

American Indian or Alaska Native 0.5%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 5.3%

Hispanic or Latino 2.9%

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?

$85,747

Median Household Income

+4% vs state

$51,959

Per Capita Income

9.0%

Poverty Rate

3.5%

Unemployment Rate

16.2 min

Mean Commute Time

How ZIP 58104 ranks nationally

Household income vs. every US ZIP code

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

$85,747 Top 31% higher than 69% 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 63.7%

Bachelor's Degree or Higher 49.1%

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

What does housing look like?

22,486

Total Housing Units

21,882

Occupied Units

604

Vacant Units

2.23

Avg Household Size

Occupancy Type

Owner 45.4%

Renter 54.6%

$359,400

Median Home Value

+100% vs state

$1,115

Median Rent

2008

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

+3.5%

YoY Change (2024)

243

HPI Index (2000 = 100)

+143%

Total Change Since 2000

Home values in ZIP 58104 have increased 3.5% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+0.9%	186
2021	+5.8%	197
2022	+12.1%	221
2023	+6.3%	235
2024	+3.5%	243

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 1,227 business establishments in ZIP 58104, employing approximately 22,302 people with a combined annual payroll of $1,508,954,000.

1,227

Businesses

22,302

Employees

$1.5B

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Health care and social assistance	194	15.8%
Construction	147	12.0%
Professional, scientific, and technical services	141	11.5%
Finance and insurance	113	9.2%
Retail trade	98	8.0%
Real estate and rental and leasing	97	7.9%
Other services (except public administration)	94	7.7%
Administrative and support and waste management and remediation services	78	6.4%
Accommodation and food services	73	6.0%
Wholesale trade	57	4.7%
Transportation and warehousing	39	3.2%
Arts, entertainment, and recreation	33	2.7%
Information	19	1.6%
Manufacturing	17	1.4%
Educational services	16	1.3%
Management of companies and enterprises	8	0.7%

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 58104 vs 58103 →

58103

47,302
56560

40,766
58102

29,850
58104

28,322
58078

26,321
58047

3,560
58105

2,483
56525

106

What this shows Among its immediate neighbors, ZIP 58104 ranks #4 by population — useful context the national average alone can't give.

58047

$142,361
58105

$123,636
58078

$91,040
58104

$85,747
56525

$76,250
56560

$75,406
58102

$59,533
58103

$58,801

What this shows By household income, ZIP 58104 ranks #4 of 8 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
58103	Fargo, ND	47,302	4.4 mi
58047	Horace, ND	3,560	5.6 mi
58105	Fargo, ND	2,483	7.2 mi
58102	Fargo, ND	29,850	8.8 mi
56560	Moorhead, MN	40,766	6.0 mi
58078	West Fargo, ND	26,321	6.5 mi
56525	Comstock, MN	106	9.7 mi

More ZIP Codes in Cass County

Cass County Fargo, ND North Dakota

Frequently Asked Questions

What county is ZIP code 58104 in? ▼

ZIP code 58104 (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 58104? ▼

ZIP code 58104 in Fargo, ND has a population of 28,322 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 58104? ▼

The median household income in ZIP 58104 is $85,747, which is 12% above the national average of $76,288.

What is the average home value in ZIP 58104? ▼

The median home value in ZIP 58104 is $359,400, which is 29% above the national average of $278,155.

What is the demographic makeup of ZIP 58104? ▼

The largest racial group in ZIP 58104 is White at 79.9%. Hispanic or Latino residents make up 2.9% of the population.

How many businesses are in ZIP code 58104? ▼

ZIP code 58104 has 1,227 business establishments employing approximately 22,302 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 58104? ▼

The top industries by establishment count in ZIP 58104 are: Health care and social assistance (194), Construction (147), Professional, scientific, and technical services (141). There are 16 industry sectors represented in total.

How have home values changed in ZIP code 58104? ▼

According to the FHFA House Price Index, home values in ZIP 58104 increased by 3.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 58104? ▼

In ZIP code 58104, 63.7% of residents aged 25+ have a high school diploma or higher, and 49.1% 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 58104? ▼

The mean commute time for workers in ZIP code 58104 is 16.2 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 58104? ▼

In ZIP code 58104, approximately 45.4% of occupied housing units are owner-occupied and 54.6% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 58104? ▼

The poverty rate in ZIP code 58104 is 9.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.