ZIP 68865 vs ZIP 68827

This side-by-side compares ZIP 68865 (Phillips, NE) and ZIP 68827 (Chapman, NE) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 68865 has a population of 894 at 6 people per square mile, while ZIP 68827 has 693 at 4 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 68865 reports a median household income of $109,554 against $89,063 in ZIP 68827, with per-capita income of $44,322 vs $42,227. The share of adults holding a bachelor's degree or higher is 22.8% in 68865 and 16.9% in 68827. Poverty rate reads 7.1% vs 8.0%, and unemployment 7.7% vs 0.4% — 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 $297,000 in 68865 versus $430,400 in 68827, with median rent of $939 and $1,052 per month respectively. Homeownership rate is 89.5% vs 85.3%. 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.