ZIP 68827 vs ZIP 68865

This side-by-side compares ZIP 68827 (Chapman, NE) and ZIP 68865 (Phillips, NE) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 68827 has a population of 693 at 4 people per square mile, while ZIP 68865 has 894 at 6 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 68827 reports a median household income of $89,063 against $109,554 in ZIP 68865, with per-capita income of $42,227 vs $44,322. The share of adults holding a bachelor's degree or higher is 16.9% in 68827 and 22.8% in 68865. Poverty rate reads 8.0% vs 7.1%, and unemployment 0.4% vs 7.7% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $430,400 in 68827 versus $297,000 in 68865, with median rent of $1,052 and $939 per month respectively. Homeownership rate is 85.3% vs 89.5%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.