The story of this market
The typical home in ZIP 58230 sells for about $144,500, or $65 per square foot.
Prices are down 26.83% from a year ago, which gives buyers more room to negotiate. Homes take about 120 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $850 a month.
ZIP 58230 — Finley
The housing market in ZIP 58230 is characterized by low inventory and stable, affordable pricing consistent with rural North Dakota trends. Market activity is limited, with most transactions driven by local demand rather than speculative investment. The area remains a stable, low-cost environment for residents, though it faces long-term population decline pressures.
This area is best suited for those seeking a quiet, rural lifestyle, including families and individuals who prioritize affordability and proximity to agricultural or border-related employment.
Median prices moved down 26.8% year over year.
Homes spend a median of 120 days on market with 6.0 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 96% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.9% · poverty 25.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 2.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 2.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 58230, Pembina County, ND
Schools in the region are generally characterized by small class sizes and rural district settings, though specific ratings vary by local district performance.
The area faces risks typical of the Northern Plains, including severe winter weather and potential for spring flooding near the Red River basin.
Economic momentum is largely tied to regional agriculture and cross-border trade with Canada, with limited large-scale industrial development.
Property taxes are assessed at the county level based on true and full value, with local mill rates determined by school districts, cities, and the county.
Commutes are primarily car-dependent, with residents traveling to regional hubs like Grand Forks or across the border for employment.
Local recreation centers on outdoor activities, including access to regional wildlife management areas and proximity to the Red River for fishing and boating.
The rental market is characterized by low inventory and limited turnover, with demand driven primarily by local workforce needs.
The economy is heavily reliant on agriculture, agribusiness, and government services, with significant employment tied to the border crossing and regional logistics.
Transportation infrastructure is dominated by state highways and county roads, with no significant public transit systems serving the area.
Development is largely focused on small-scale residential improvements and infrastructure maintenance rather than large-scale commercial projects.
The Pembina County Tax Director oversees assessments, ensuring properties are valued at true and full value for tax purposes.
Parcels are subject to local school district levies and county-wide emergency and social service district taxes.
Property insurance premiums are influenced by regional weather risks, including wind and hail exposure common in North Dakota.
The state experiences modest net domestic migration, though rural counties like Pembina often see slight population declines.
North Dakota is a judicial foreclosure state, requiring court action to complete the foreclosure process.
Sellers are required to provide a property disclosure statement, though the scope is generally limited compared to other states.
Data derived from ZCTA-level census profiles and county-level economic reports.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Offers extensive trails and outdoor recreation in the scenic Pembina River valley.
Features Lake Renwick and historical sites, serving as a major regional attraction.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.