Zearing, IA · standard

ZIP Code 50278

Story County, Iowa — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

842
6/sq mi
$74,306
Median income
$193,000
Median home value
35.1%
Bachelor's or higher

The verdict

Zearing pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 46%
household income, US ZIPs
42th pct
home value, US ZIPs
6
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 50278 against every reporting US ZIP.

ZIP code 50278 is classified by USPS as a standard delivery area and covers roughly 138.0 square miles in Zearing, Story County, Iowa. The area is home to 842 residents, producing a population density of 6 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 50278 against Iowa and the nation.

On the economic side, the median household income for ZIP 50278 sits at $74,306 (3% below the Iowa average), while per-capita income is $35,680. The poverty rate stands at 13.7% and the unemployment rate at 0.0%. On housing, the median home value is $193,000 (10% above the state average) with median rent at $693 per month, and 83.4% of occupied units are owner-occupied, a direct signal of whether 50278 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.1% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is . We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Story County, so you can benchmark 50278 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 50278, Zearing, IA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

842

Population

138.0

Area (sq mi)

6

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 50278?

37.6

Median Age

54.7%

Male

45.3%

Female

8.2%

Foreign-Born

White 89.2%
African American 0.8%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.4%
Hispanic or Latino 9.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$74,306

Median Household Income

-3% vs state

$35,680

Per Capita Income

13.7%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 50278 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$74,306 Top 46% higher than 54% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 60.8%
Bachelor's Degree or Higher 35.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

352

Total Housing Units

337

Occupied Units

15

Vacant Units

2.56

Avg Household Size

Occupancy Type

Owner 83.4%
Renter 16.6%

$193,000

Median Home Value

+10% vs state

$693

Median Rent

1956

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 20 business establishments in ZIP 50278, employing approximately 98 people with a combined annual payroll of $5,339,000.

20

Businesses

98

Employees

$5.3M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Transportation and warehousing 4 20.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 50278 vs 50239 →

ZIP 50278 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 50278 ranks #4 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 50278 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 50278 ranks #5 of 7 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
50239 Saint Anthony, IA 210 5.0 mi
50154 Mc Callsburg, IA 466 5.1 mi
50056 Colo, IA 1,372 9.2 mi
50102 Garden City, IA 87 8.4 mi
50206 New Providence, IA 526 8.9 mi
50201 Nevada, IA 8,199 11.0 mi
50247 State Center, IA 2,515 11.4 mi

More ZIP Codes in Story County

Frequently Asked Questions

What county is ZIP code 50278 in?
ZIP code 50278 (Zearing) is located in Story County, Iowa. Story County contains multiple ZIP codes, see the full list at /counties/story-ia.
What is the population of ZIP code 50278?
ZIP code 50278 in Zearing, IA has a population of 842 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 50278?
The median household income in ZIP 50278 is $74,306, which is 3% below the national average of $76,288.
What is the average home value in ZIP 50278?
The median home value in ZIP 50278 is $193,000, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 50278?
The largest racial group in ZIP 50278 is White at 89.2%. Hispanic or Latino residents make up 9.7% of the population.
How many businesses are in ZIP code 50278?
ZIP code 50278 has 20 business establishments employing approximately 98 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 50278?
In ZIP code 50278, 60.8% of residents aged 25+ have a high school diploma or higher, and 35.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 50278?
In ZIP code 50278, approximately 83.4% of occupied housing units are owner-occupied and 16.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 50278?
The poverty rate in ZIP code 50278 is 13.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Zearing, IA

Verify and explore additional data for this area using these official government sources.