Median Income
$61,250
18% lower than US avg
Home Value
$59,800
79% lower than US avg
Bachelor's+
6.6%
80% lower than US avg
Obesity Rate
37.4%
17% higher than US avg
Unemployment
1.8%
50% lower than US avg
Poverty Rate
3.6%
71% lower than US avg
How Fingal Compares to the U.S. Average (100% = U.S. avg)
People
Population179
Median Age29.8 yrs
Density426/mi²
Male / Female31% / 69%
Largest GroupWhite 66%
Veterans13.8%
Economy
A
Median Income$61,250
Per Capita$36,908
Unemployment1.8%
Poverty3.6%
County GDP$387M
Commute27 min
Housing
A+
Home Value$59,800
Ownership91.9%
Zillow$205,283
Housing Units60
Rent Burden21.8%
Health
Obesity37.4%
Uninsured4.5%
Smoking13.8%
Depression21.8%
Heart Disease5.1%
Climate
Avg Temp45°F (7°C)
Rain23.6 in/yr
Elevation1,280 ft (390 m)
Education
D
Bachelor's+6.6%
High School+96.7%
Graduate+0.0%
School Score5.95
Community
2024 VoteR 63% / D 35%
Commute27 min
Broadband59.7%
EV Stations3
Libraries2
Is Fingal a Good Place to Live?
Based on current data, Fingal receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Fingal offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Fingal is $61,250, 18% below the national average of $75,149. The job market is very strong with unemployment at just 1.8%. Only 3.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Fingal is $59,800, 79% below the national median / offering relatively affordable homeownership. At just 1x median income, home prices are very affordable relative to local earnings.
Education
6.6% of residents hold a bachelor's degree, below the national average of 33.7%. 96.7% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Fingal has a cool climate with an average annual temperature of 45°F. Winters average 13°F in January while summers reach 73°F in July. Annual precipitation totals 23.6 inches, including 47.2 inches of snow.
Fingal has a population of 179 with a density of 426 people per square mile, spread across 0.4 square miles. The median age is 29.8 years, 23% younger than the national median of 38.9. The gender split is 68.7% female and 31.3% male. The city is predominantly White (65.9%). English is the primary language spoken at home by 97.1% of residents. 13.8% of the population are veterans, above the national rate of 6.0%. 4.5% of residents have a disability (below the 13.0% national average). 95.5% have health insurance coverage.
Population
179
Total Population
2023 Census
29.8yrs
Median Age
23% below US avg
Language Spoken at Home
English Only
97.1%
24% above US avg
Spanish
3.0%
78% below US avg
The median household income in Fingal is $61,250, which is 18% below the national average of $75,149. Per capita income is $36,908. The average weekly wage is $956, 33% lower than the U.S. average. The unemployment rate is 1.8% (below the 3.6% US average). 3.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 259 business establishments, including 19 restaurants. The cost of living index is 89, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 5.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,250 |
| 18% below US avg |
| Per Capita Income | $36,908 |
| Avg Weekly Wage | $956 |
| IRS Avg AGI | $77,955 |
| Gini Index | 0.407 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.8% |
| 50% below US avg |
| Poverty Rate | 3.6% |
| 71% below US avg |
| Establishments (County) | 259 |
| County GDP | $387M |
Business (County)
| Restaurants | 19 |
| Healthcare | 31 |
| Retail | 24 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $3,800 |
| 9% above US avg |
| Cost of Living | 89.00 (100=avg) |
| Effective Tax Rate | 6.35% |
Commute & Transportation
| Commute Time | 27.0 min |
| Drive Alone | 69.4% |
| Public Transit | 0.0% |
| Work from Home | 5.4% |
The median home value in Fingal is $59,800, 79% below the national median of $281,900. Zillow estimates the typical home value at $205,283, higher than the Census estimate. Fair market rent ranges from $795 for a one-bedroom to $965 for a two-bedroom apartment. 91.9% of housing units are owner-occupied (above the 65.4% national rate). There are 60 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $3,800. 21.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1x, well within the affordable range.
Home Values
| Census Median | $59,800 |
| 79% below US avg |
| Zillow ZHVI | $205,283 |
Rental Costs
HUD Fair Market Rent
| Studio | $769 |
| 1 Bedroom | $795 |
| 2 Bedrooms | $965 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,588 |
Ownership & Property
| Homeownership | 91.9% |
| Owner-Occupied | 91.9% |
| Renter-Occupied | 8.1% |
| Housing Units | 60 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $3,800 |
| 9% above US avg |
| Effective Rate | 6.35% |
In Fingal, 37.4% of adults are obese, above the national rate of 32.1%. 8.2% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 28.9% have high blood pressure. 13.8% are current smokers. 24.8% report binge drinking. 20.7% are physically inactive, below the national average. 21.8% report depression. 15.0% experience frequent mental distress. 4.5% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,838. The dentist ratio is 1:1,410. 63.6% of residents have access to exercise opportunities. The food environment index is 9.6 out of 10.
Health Metrics: Fingal vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.4% |
| 17% above US avg |
| Diabetes | 8.2% |
| Heart Disease | 5.1% |
| High Blood Pressure | 28.9% |
| Asthma | 10.1% |
| COPD | 5.2% |
| Cancer | 7.3% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 13.8% |
| 1% below US avg |
| Binge Drinking | 24.8% |
| Physical Inactivity | 20.7% |
| Depression | 21.8% |
| Mental Distress | 15.0% |
| Physical Distress | 10.8% |
| Short Sleep | 32.8% |
Healthcare Access
| Insurance Rate | 95.5% |
| Uninsured | 4.5% |
| 48% below US avg |
| Primary Care | 1:2,838 |
| Dentists | 1:1,410 |
| Mental Health | 1:2,802 |
| Checkup Rate | 70.7% |
| Dental Visits | 64.6% |
| Premature Death | 7,447/100K |
Food & Exercise
| Food Environment | 9.6/10 |
| Exercise Access | 63.6% |
| Healthcare Facilities | 31 |
Fingal has a cool climate with an average annual temperature of 45°F (7°C). Winters average 13°F in January while summers reach 73°F in July. Annual precipitation totals 23.6 inches (drier than the 38-inch national average). The area receives 47.2 inches of snow annually, making winter weather a significant factor for residents. The city sits at an elevation of 1,280 feet.
Temperature
13°F Jan (-11°C)
73°F Jul (23°C)
| Annual Average | 45.1°F |
| 16% below US avg |
| January Average | 13°F (-11°C) |
| July Average | 73°F (23°C) |
Geography
| Elevation | 1,280 ft (390 m) |
| Area | 0.4 sq mi (1.1 km²) |
| Population Density | 426/sq mi |
| Coordinates | 46.7625°N, 97.7932°W |
| Timezone | America/Chicago |
| County | Ransom County County |
| Nearest Airport | Jamestown Regional (JMS)
43 miles away |
Precipitation & Snow
Annual Rainfall
23.6"
38% below US avg
Wettest Month (Jun)
4.13"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 13.2 / 100 |
| Social Vulnerability | 22.0 / 100 |
| Community Resilience | 96.2 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Very Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
1 earthquake (M2.5+) within 150 km since 1990.
Strongest: M3.7. Most recent: M3.7 on Oct 20, 1995.
| Oct 20, 1995 |
8 km SSE of New Effington, South Dakota |
M3.7 |
130 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
446 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 12 fatalities, 154 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 20, 1957 |
EF5 |
37 km |
10 |
| Jun 17, 2010 |
EF4 |
94 km |
0 |
| Jul 18, 2004 |
EF4 |
45 km |
0 |
| Jun 28, 1975 |
EF4 |
82 km |
0 |
| Jul 2, 1955 |
EF4 |
67 km |
2 |
| Aug 27, 2016 |
EF3 |
96 km |
0 |
| Jul 17, 2011 |
EF3 |
71 km |
0 |
| Jul 21, 1987 |
EF3 |
98 km |
0 |
| Jun 28, 1975 |
EF3 |
93 km |
0 |
| May 20, 1974 |
EF3 |
58 km |
0 |
| Jul 1, 1973 |
EF3 |
82 km |
0 |
| Jul 1, 1973 |
EF3 |
86 km |
0 |
| Jun 16, 1973 |
EF3 |
87 km |
0 |
| Jun 15, 1973 |
EF3 |
43 km |
0 |
| Jun 21, 1971 |
EF3 |
85 km |
0 |
| Aug 23, 1968 |
EF3 |
66 km |
0 |
| Sep 6, 1958 |
EF3 |
22 km |
0 |
| Jul 16, 1957 |
EF3 |
62 km |
0 |
| Aug 30, 1956 |
EF3 |
77 km |
0 |
| Jul 2, 1955 |
EF3 |
88 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
9 wildfires (100+ acres) within 100 km.
Largest: BIESTERFELD (3,481 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
BIESTERFELD |
3,481 |
51 km |
| 2003 |
OLERUD |
1,275 |
52 km |
| 2018 |
EAST JIM LAKE |
1,214 |
92 km |
| 2017 |
NDAWR FY17 RX G10 11 12 D5 |
1,148 |
96 km |
| 1985 |
ALICE 02 |
1,142 |
22 km |
| 2016 |
UNNAMED |
1,128 |
96 km |
| 2006 |
FULLERS LAKE 06 |
1,109 |
60 km |
| 2019 |
UNNAMED |
1,060 |
96 km |
| 2021 |
HARTLEBEN WPA |
1,002 |
98 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
13°F (-11°C) |
0.5 in |
Coldest, Driest |
| February |
17°F (-8°C) |
0.6 in |
|
| March |
30°F (-1°C) |
1.2 in |
|
| April |
46°F (8°C) |
1.5 in |
|
| May |
59°F (15°C) |
3.2 in |
|
| June |
69°F (21°C) |
4.1 in |
Wettest |
| July |
73°F (23°C) |
3.4 in |
Warmest |
| August |
71°F (22°C) |
2.7 in |
|
| September |
63°F (17°C) |
2.7 in |
|
| October |
48°F (9°C) |
2.1 in |
|
| November |
33°F (0°C) |
0.8 in |
|
| December |
19°F (-7°C) |
0.7 in |
|
Fingal has a seasonal temperature swing of 60°F / from 13°F in January to 73°F in July. Total annual precipitation is 23.6 inches, with June being the wettest month (4.1") and January the driest (0.5").
Average costs for common services in Fingal. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$223 ($134-$356) |
| Specialist Visit |
$312 ($178-$490) |
| Urgent Care Visit |
$178 ($89-$312) |
| Emergency Room Visit |
$1,958 ($712-$4,450) |
| Dental Cleaning |
$116 ($67-$178) |
| Dental Filling |
$223 ($134-$356) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22-$67) |
| Oil Change (Synthetic) |
$67 ($45-$107) |
| Brake Pad Replacement |
$267 ($134-$445) |
| Tire Rotation |
$36 ($18-$67) |
| New Tires (Set of 4) |
$534 ($356-$890) |
| Battery Replacement |
$178 ($89-$312) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$89 ($53-$134) |
| Electrician (Per Hour) |
$80 ($45-$125) |
| HVAC Repair |
$356 ($134-$712) |
| HVAC System Install |
$6,230 ($3,560-$10,680) |
| Roof Repair |
$890 ($356-$1,780) |
| Roof Replacement |
$8,010 ($4,895-$13,350) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,335 ($445-$3,115) |
| Divorce (Contested) |
$13,350 ($4,450-$26,700) |
| DUI Defense |
$4,450 ($1,780-$8,900) |
| Bankruptcy (Chapter 7) |
$1,335 ($712-$2,670) |
| Will Preparation |
$445 ($178-$890) |
| Trust Preparation |
$2,225 ($890-$4,450) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13-$40) |
| Women's Haircut |
$49 ($27-$89) |
| Hair Coloring (Full) |
$134 ($67-$223) |
| Manicure |
$22 ($13-$40) |
| Pedicure |
$36 ($22-$58) |
| Massage (1 Hour) |
$71 ($45-$116) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.65 ($2.67-$4.90) |
| Dozen Eggs (per dozen) |
$3.12 ($2.23-$4.45) |
| Loaf of Bread |
$3.38 ($2.23-$4.90) |
| Chicken Breast (per lb) |
$4.01 ($2.67-$5.79) |
| Ground Beef (per lb) |
$4.90 ($3.56-$6.68) |
| Rice (per lb) |
$0.89 ($0.53-$1.60) |
View all 20 services
Utilities
| Electricity (Monthly) |
$125 ($71-$223) |
| Natural Gas (Monthly) |
$62 ($27-$134) |
| Water/Sewer (Monthly) |
$62 ($36-$107) |
| Internet (Monthly) |
$62 ($36-$89) |
| Cell Phone Plan (Monthly) |
$58 ($27-$89) |
| Cable TV (Monthly) |
$76 ($45-$134) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$178 ($67-$445) |
| Car Insurance (Annual) |
$1,780 ($1,068-$3,115) |
| Bus Pass (Monthly) |
$62 ($27-$116) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.12-$22) |
| Car Registration (Annual) |
$89 ($27-$223) |
| Driver's License Renewal |
$27 ($13-$67) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,068 ($534-$2,225) |
| Daycare (Toddler, Monthly) |
$890 ($445-$1,780) |
| After-School Care (Monthly) |
$356 ($178-$623) |
| Tutoring (Per Hour) |
$45 ($22-$89) |
| SAT/ACT Prep Course |
$890 ($356-$2,225) |
| Private School (K-12, Annual) |
$11,125 ($4,450-$26,700) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($27-$89) |
| Dog Vaccination (Annual) |
$89 ($45-$178) |
| Dog Grooming |
$53 ($27-$89) |
| Pet Boarding (Per Night) |
$36 ($18-$67) |
| Dog Spay/Neuter |
$267 ($134-$445) |
| Cat Spay/Neuter |
$178 ($89-$356) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $960 |
| Toddler | $877 |
| Preschool | $813 |
| Family Childcare (monthly) |
| Infant | $705 |
| Toddler | $667 |
| Preschool | $671 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Fingal
What is the population of Fingal?
Fingal has a population of 179 residents and is located in North Dakota. The population density is 426 people per square mile, spread across 0.4 square miles. The median age of residents is 29.8 years, which is younger than the national median of 38.9 years. The population is 68.7% female and 31.3% male.
Is Fingal expensive to live in?
Fingal is more affordable than the national average, with a cost of living index of 89 / below the baseline of 100. The median household income is $61,250, 18% below the national average of $75,149. The median home value is $59,800 (79% below the U.S. median). The home price-to-income ratio is 1x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Fingal?
Fingal has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 13°F in January, while summers reach an average of 73°F in July. Annual rainfall totals 23.6 inches, with 47.2 inches of snow.
How is the job market in Fingal?
The job market in Fingal is very strong, with unemployment at just 1.8% / well below the national rate of 3.6%. The average weekly wage is $956. There are 259 business establishments in the area, including 19 restaurants and food service locations. The average commute time is 27 minutes, and 5.4% of workers work from home.
How much does housing cost in Fingal?
The median home value in Fingal is $59,800. Zillow estimates the typical home value at $205,283. The homeownership rate is 91.9%. The average annual property tax is $3,800.
How are the schools in Fingal?
Schools in Fingal score 6 out of 10 on standardized testing, near the national average. 6.6% of adults in Fingal hold a bachelor's degree or higher, below the national average of 33.7%. 96.7% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Fingal?
The obesity rate in Fingal is 37.4% (above the national rate of 32.1%). 13.8% of adults are smokers. 20.7% are physically inactive. 21.8% of residents report depression. 4.5% lack health insurance (below the national rate). 63.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,838.
What is transportation like in Fingal?
The average commute in Fingal is 27 minutes. 69.4% of workers drive alone to work, and 5.4% work from home.
What are the demographics of Fingal?
The racial and ethnic makeup of Fingal is 65.9% White. 97.1% of residents speak only English at home. 13.8% of the population are military veterans. 4.5% of residents have a disability. 95.5% have health insurance coverage.