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ZIP 58736 · Drake, ND · 430 residents · September 2026

Drake 58736: the market leans toward sellers.

Conditions tightening in sellers' favor. Typical home value $85K, −3.5% over 12 months; listings take 15 days to sell against 60 in the median U.S. ZIP.

Sources beside every figure · Zillow, August 2026 · Realtor.com, September 2026 · Census ACS 2023 · FEMA NRI

Market balanceSeptember 2026

BuyersSellersEven
Leaning seller+33

In Mar 2026: +25

Typical value$85K−3.5% over 12 months · Zillow, Aug 2026
Days on market15 daysU.S. median ZIP 60 days · Realtor.com
Listings with a price cut0%U.S. median ZIP 20% · Realtor.com
Fair market rent$900/moHUD fair market rent, 2 bedrooms, FY 2026
Active listings10% vs a year ago · Realtor.com
Sale-to-list—No Redfin sales figure for this ZIP
HavenScore54of 100

Higher than 66% of scored ZIPs

Affordability80
Growth43
Risk48
Momentum28
Livability31

Five parts, weighted. How the score works →

The reading

Where the balance sits this month and what moved it.

Month by month, since the gauge began

  1. Mar 2026+25
  2. Apr 2026+17
  3. May 2026+17
  4. Jun 2026+3
  5. Jul 2026−9
  6. Aug 2026—no reading on record
  7. Sep 2026+33

Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →

What is pulling the needle

  • 15 days on marketfaster than the U.S. median ZIP's 60 days
  • 0% of listings cut pricefewer than the U.S. median ZIP's 20%
  • Sale-to-list —No sale-to-list figure for this ZIP
  • 1 active listings0% vs a year ago

Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, December 2025.

Firming: prices −3.5% over the trailing year, with the market leaning toward sellers.

Asking price vs sale price
Typical value (index)$85,075Zillow ZHVI · Aug 2026
Median sale price$62,500Redfin · Dec 2025
Sale-to-list—Redfin · Dec 2025
Sold above list0.0%Redfin · Dec 2025

Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.

Last 90 days

How the typical value and the listings moved over the last three months.

Typical valueHavenMay → Aug · Zillow
Active listingsHavenJun → Sep · Realtor.com
Days on marketHavenJun → Sep · Realtor.com
Listings with a price cutHavenJun → Sep · Realtor.com
The 90-day changes for this ZIP are part of Haven.
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Prices

Typical home value since 2022, and how far it moved over each window.

1 year−3.5%
3 years−18.3%
5 years—
10 years—
From peak−24.3%

Zillow Home Value Index · ZIP 58736 · monthly, through August 2026

The listings, days on market and market heat series on this chart are part of Haven.With the % change view and the state and U.S. reference lines.
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Zillow ZHVI peaked at $117,330 in August 2022; the latest value is −27.5% from that peak, 48 months on. The sharpest 12-month move was −17.4%, ending May 2024.

Zillow's typical home value here, $85K in August 2026, is 71% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −3.5% here and +2.8% in the median U.S. ZIP.

Price tiers and bedrooms
Middle tier$85K
Top tier$184K
Single-family$85K

Zillow typical values by price tier, home type and bedrooms, August 2026.

How it ranks

Appreciation by window

WindowChangePer yearU.S. rankNorth Dakota rank
1 year−3.5%−3.4%/yrHigher than 5% nationallyHigher than 1% in North Dakota
3 years−18.3%−6.5%/yrHigher than 1% nationallyHigher than 1% in North Dakota
Since 2022−25.1%−6.2%/yr——

Zillow ZHVI · rank among scored ZIPs

This time of year Haven
The seasonal chart for this ZIP is part of Haven.With the reading of which months run highest and lowest here.
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Cycle position Pro
Where prices sit in the cycle is part of Pro.Prices against the model's value estimate, and the payment's share of income against five years ago.
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Forecast

Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.

Last three years, then the forecast band

HavenScore Forecast Model (v1) · run October 1, 2026
$70K$90K$100K$110K$80K202420252026$70K$90K$100K$110K$80K202420252026
3 months$80K−6.2% · $76K–$89KHigh confidence
6 monthsHaven
12 monthsHaven
24 monthsPro
36 monthsPro
The 6- and 12-month ranges are part of Haven.The 3-month reading is free. Haven adds what moves the forecast.
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A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →

Of the 3-month ranges we published since December 2025, 54% contained the actual price.

Zillow's own published forecast has this ZIP's typical value rise 0.8% over the twelve months from August 2026 (Zillow Home Value Forecast).

Payment

What a typical home here costs each month, against the typical income.

Monthly payment

$65514% of the median household income here ($58,000)
Principal and interest$502
Property tax$69
Insurance$35
Mortgage insurance$48

Inside the 28% line lenders use for housing costs. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.

Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.

Fair market rent, 2 bedrooms$900
vs
Payment on a typical purchase$655

Buying costs $245 a month less than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.

Price-to-income ladder

Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable

Cost of owning over time Haven
The 1-, 5- and 30-year cost of owning here is part of Haven.
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The place

What it costs to own here beyond the price, and what the neighborhood is like.

Median household income$58,000Census ACS
Price to income1.5×long-run average 1.7×
Property tax0.98%statutory, state
Insurance—typical premium
Commute19 minmedian, one way
Walkability5 / 20EPA index
Hazard ratingRelatively HighFEMA NRI · wildfire 97 · flood 58
Population change−6.4% a year2018–2023, Census ACS
Median year built1954Census ACS
Owner-occupied83%Census ACS

Typical homes cost 1.5× the median household income here, against 4.2× in the median ND ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $58,000 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).

Hazard ledger
Overall riskRelatively Highscore 87 of 100 · county median 87
Flood58 of 100county median 58
Wildfire97 of 100county median 97
Hurricane—no FEMA score for this ZIP

FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 3 scored ZIPs in McHenry County.

Everyday prices

Everyday prices in the Minot metro run 13% below the U.S. average (BEA Regional Price Parities, 2024).

Rents in the index run 37% below the U.S. average.

$75,000 at U.S.-average prices buys what $65,250 buys here.

Metro-level index, U.S. = 100 · 2024 · the Minot metro, not this ZIP alone.

Housing cost burden
Owners spending over 50% of income4%U.S. median ZIP 5%
Renters spending over 30% of income39%U.S. median ZIP 39%

Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.

Behind the score

The inputs behind each of the five parts, against the U.S. median ZIP.

Affordability

80

Growth

43

Risk

48

Momentum

28
Haven
See every input behind the five parts, with its value and source
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Livability

31
Walkability5 / 20EPA Smart Location DatabaseLeast walkable
Transit access—EPA Smart Location DatabaseNo transit data
Job density1 jobs per sq miCensus LODESFew jobs nearby

Nearby

No other scored North Dakota ZIP within 12 miles.

Sources and freshness

Every figure on this page, where it came from and when.

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ZillowHome values, rents, price tiersAugust 2026
Realtor.comListings, days on market, price cutsSeptember 2026
RedfinSale-to-list, sold above listDecember 2025
Census ACSIncome, commute, population, housing stock2023 five-year
FEMA National Risk IndexHazard ratingsDecember 2025 release
EPAWalkability2021
HUDFair market rent, 2 bedroomsFY 2026
Freddie MacMortgage rateSeptember 2026, monthly average
BEAEveryday prices (Regional Price Parities)2024
HavenScoreScore, balance, forecastScored October 1, 2026

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