The story of this market
The typical home in ZIP 58038 sells for about $373,415, or $185 per square foot.
Prices are down 1.18% from a year ago, which gives buyers more room to negotiate. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $620 a month.
ZIP 58038 — Gardner
The housing market in the 58038 area remains stable, characterized by moderate inventory levels and consistent demand. While year-over-year price growth has seen a slight cooling, the market is supported by a strong regional economy and ongoing infrastructure investments. Buyers are finding a balanced environment with reasonable days-on-market metrics.
This area is well-suited for families and professionals seeking a balance of suburban affordability and access to regional employment hubs. It appeals to those prioritizing community stability and proximity to essential services.
Median prices moved down 1.2% year over year.
Homes spend a median of 45 days on market with 3.2 months of supply — a fast-moving market.
5% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.0% · poverty 5.0% — 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 6.3%/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 5.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 58038, Cass County ND
Crime rates in the Fargo area are generally consistent with regional averages for mid-sized Midwestern cities, with property crime being the primary concern. Local law enforcement maintains active community outreach programs to address neighborhood safety.
Schools serving the area are part of the Fargo Public Schools district, which is generally regarded as providing stable educational outcomes with a variety of specialized programming. Performance metrics are competitive within the North Dakota state framework.
The region faces seasonal risks primarily from heavy winter snow and potential spring flooding along the Red River. Property insurance premiums reflect these environmental factors, particularly for flood-zone proximity.
The economy is anchored by healthcare, education, and agricultural technology, with steady development in the Fargo-Moorhead metro area. Infrastructure investment continues to support suburban expansion and commercial corridor revitalization.
Property taxes are assessed at the county level based on true and full value, with mill rates determined by local taxing jurisdictions including school districts and city councils. North Dakota provides a homestead credit for qualifying seniors and disabled individuals.
Residents typically rely on personal vehicles for commuting, with major corridors like I-94 and I-29 providing access to the Fargo employment core. Public transit options are limited outside of the immediate urban center.
The area features access to local parks, community sports complexes, and proximity to the Red River greenway system. Shopping and dining amenities are concentrated in nearby commercial hubs within a short drive.
The rental market is characterized by steady demand driven by the local university and healthcare workforce. Vacancy rates remain low, and rent growth has stabilized following recent inflationary periods.
The economy is diversified across healthcare (Sanford Health), higher education (NDSU), and financial services. It serves as the primary economic hub for the Red River Valley region.
The area is served by a network of state highways and interstates, with MATBUS providing public transit services within the city limits. Infrastructure focus remains on maintaining road quality and flood mitigation.
Development is focused on infill projects and suburban residential expansion on the city's southern and western fringes. Commercial development continues to follow major arterial road growth.
Parcels are subject to standard municipal and county tax levies, with specific assessments for school districts and local flood control authorities.
Property insurance markets are stable but sensitive to weather-related claims, particularly regarding wind and hail damage common in the region.
Data retrieved from data.census.gov for ZCTA 58038.
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.
- Hector International Airport4.223.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Extensive trail system along the river used for recreation and commuting.
Hosts local events, concerts, and community gatherings.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.