Elma, IA · standard

ZIP Code 50628

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

1,374
5/sq mi
$68,750
Median income
$153,500
Median home value
13.3%
Bachelor's or higher

The verdict

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

45th pct
household income, US ZIPs
27th pct
home value, US ZIPs
5
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 50628 against every reporting US ZIP.

ZIP code 50628 is classified by USPS as a standard delivery area and covers roughly 286.3 square miles in Elma, Howard County, Iowa. The area is home to 1,374 residents, producing a population density of 5 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 50628 against Iowa and the nation.

On the economic side, the median household income for ZIP 50628 sits at $68,750 (10% below the Iowa average), while per-capita income is $34,660. The poverty rate stands at 8.4% and the unemployment rate at 0.6%. On housing, the median home value is $153,500 (13% below the state average) with median rent at $672 per month, and 73.6% of occupied units are owner-occupied, a direct signal of whether 50628 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 13.3% of adults hold a bachelor's degree or higher, the median age is 39.2, and the average commute is . We also surface 2 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Howard County, so you can benchmark 50628 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 50628, Elma, 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

1,374

Population

286.3

Area (sq mi)

5

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 50628?

39.2

Median Age

47.9%

Male

52.1%

Female

1.1%

Foreign-Born

White 98.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.5%
Hispanic or Latino 1.1%

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?

$68,750

Median Household Income

-10% vs state

$34,660

Per Capita Income

8.4%

Poverty Rate

0.6%

Unemployment Rate

How ZIP 50628 ranks nationally

Household income vs. every US ZIP code

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

$68,750 45th percentile higher than 45% 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 60.0%
Bachelor's Degree or Higher 13.3%

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

What does housing look like?

662

Total Housing Units

564

Occupied Units

98

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 73.6%
Renter 26.4%

$153,500

Median Home Value

-13% vs state

$672

Median Rent

1967

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 18 business establishments in ZIP 50628, employing approximately 185 people with a combined annual payroll of $7,681,000.

18

Businesses

185

Employees

$7.7M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Retail trade 4 22.2%
Construction 3 16.7%

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 50628 vs 50603 →

ZIP 50628 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 50628 ranks the most populous — useful context the national average alone can't give.

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

ZIP 50628 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 50628 ranks #2 of 3 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
50603 Alta Vista, IA 625 6.5 mi
52155 Lime Springs, IA 1,323 11.2 mi

More ZIP Codes in Howard County

Frequently Asked Questions

What county is ZIP code 50628 in?
ZIP code 50628 (Elma) is located in Howard County, Iowa. Howard County contains multiple ZIP codes, see the full list at /counties/howard-ia.
What is the population of ZIP code 50628?
ZIP code 50628 in Elma, IA has a population of 1,374 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 50628?
The median household income in ZIP 50628 is $68,750, which is 10% below the national average of $76,288.
What is the average home value in ZIP 50628?
The median home value in ZIP 50628 is $153,500, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 50628?
The largest racial group in ZIP 50628 is White at 98.0%. Hispanic or Latino residents make up 1.1% of the population.
How many businesses are in ZIP code 50628?
ZIP code 50628 has 18 business establishments employing approximately 185 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 50628?
In ZIP code 50628, 60.0% of residents aged 25+ have a high school diploma or higher, and 13.3% 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 50628?
In ZIP code 50628, approximately 73.6% of occupied housing units are owner-occupied and 26.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 50628?
The poverty rate in ZIP code 50628 is 8.4% 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 Elma, IA

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