58645 — Golden Valley County, North Dakota Market Snapshot
Housing market data for zip code 58645 in Golden Valley County, North Dakota. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Golden Valley County county page for broader data.
Market Sales Data
2 sales in 2022
Median Sale Price
$565,959
Days to Sell
14
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 58645 can comfortably use conventional financing. The median home price of $565,959 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 58645 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 58645 can comfortably use conventional financing. The median home price of $565,959 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 58645 are set at the county level.
2026 Loan Limits — Golden Valley County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 58645
To purchase the median home at $565,959 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,486.
Monthly Payment
$4,486
Income Required
$192,266
Principal & Interest
$3,487/mo
Down Payment (5%)
$28,298
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 58645.
Estimated Monthly Payment
$3,653
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 58645. Tell us what you're looking for.