ZIP code 58645

ZIP 58645 is a very small community in Billings County, North Dakota, with 269 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #250 of 389 ranked by population — larger than 35% of them. The median age here is 65.6 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 58645 earn a median of $68,125 a year, 13.3% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 20.1% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 58645 is valued at $347,200, 14.4% above the national figure, while median gross rent runs $634 a month, 54.9% below the national figure, or roughly $7,608 across a full year. A household on the local median income would put about 11.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 5.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 69.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 65.6 puts ZIP 58645 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 269 residents, a handful of survey responses moves every median on this page. Compare ZIP 58645 against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 58645 is tabulated inside Billings County, North Dakota, one of 3 ZIP areas the Census publishes for that county and 389 across North Dakota. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 58645 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 58645 reports a median household income of $68,125, 12% below the $77,778 county median, and 13% below the $78,594 typical ND ZIP. Owner-occupied homes are valued at a median of $347,200, 22% above the county figure and 116% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $634 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

North Dakota charges 5% statewide, and local governments overlapping 58645 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 58645 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.