Life Skills and Money Education in Pembina County, North Dakota

About 6,588 people live in Pembina County, North Dakota. It has lost residents since 2020, slipping 3.5% from 6,826 down to 6,588. With a median age of 45.5, the financial questions that matter most here lean toward retirement drawdown, insurance and estate basics.

Among adults 25 and older in Pembina County, 22.9% hold a bachelor's degree or higher. That runs 2.1 points above the North Dakota average of 20.8%. Flip that figure and it describes 77.1% of the 4,915 adults 25 and over counted in the 2019–2023 ACS, about 3,789 people whose money skills came from somewhere other than a university.

Median household income is $66,884. That is $2,525 below the North Dakota median. About 8.7% of residents live below the poverty line. The median home is valued at $116,600, roughly 1.7× median household income.

Pembina County by the numbers

Measure	Value
Population (2024)	6,588
Change since 2020	-3.5%
Median household income	$66,884
Adults 25+ with a bachelor’s degree	22.9%
Adults 25+ with a high school diploma	91.9%
Median age	45.5
Poverty rate	8.7%
Unemployment rate	4%
Median home value	$116,600
Land area	1,118.535 sq mi
Population density	6 / sq mi

What North Dakota teaches — and to whom

North Dakota requires personal finance instruction, but folds it into another course rather than a class of its own — so how much a student actually gets depends heavily on the district and the teacher. Coverage like that varies enormously between districts, and it reaches no one who has already graduated.

LearnLife organises this the way the decisions actually arrive: Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Emotional regulation — the self-management that decides whether the other skills ever get used.

Where to start in Pembina County

Shift from accumulating to drawing down

With a median age of 45.5, a large share of Pembina County is closer to drawing on savings than building them. The skills that matter shift accordingly: sequencing withdrawals, understanding Medicare's enrolment windows, and getting beneficiary designations and a will actually filled in.

Questions people ask about Pembina County

Do high school students in Pembina County, North Dakota have to take a personal finance class?

North Dakota requires personal finance content, but delivers it inside another course rather than a dedicated class, so the depth varies by district and teacher.

How many adults in Pembina County, North Dakota have a college degree?

22.9% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 77.1% are managing their finances without one.

What is the median household income in Pembina County, North Dakota?

$66,884, per the Census Bureau's 2019–2023 American Community Survey.

Where can adults in Pembina County, North Dakota learn personal finance?

Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.

Start with whichever one is costing you money right now.

Browse the LearnLife catalog

Nearby in North Dakota

All North Dakota locations →

Population and demographic figures: U.S. Census Bureau — 2024 Gazetteer, Vintage 2024 Population Estimates, and the American Community Survey 2019–2023 5-year estimates. Graduation-requirement status: NGPF Live U.S. Dashboard, read 2026-09-14. Figures marked as unavailable are suppressed by the Census Bureau for small populations.