Underwood, IA · standard

ZIP Code 51576

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 10, 2026

2,110
16/sq mi: $110,476
Median income: $305,400
Median home value: 31.1%
Bachelor's or higher

The verdict

Underwood pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 13%
household income, US ZIPs: Top 33%
home value, US ZIPs: 16
people per sq mi: 89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 51576 against every reporting US ZIP.

ZIP code 51576 is classified by USPS as a standard delivery area and covers roughly 130.2 square miles in Underwood, Pottawattamie County, Iowa. The area is home to 2,110 residents, producing a population density of 16 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 51576 against Iowa and the nation.

On the economic side, the median household income for ZIP 51576 sits at $110,476 (44% above the Iowa average), while per-capita income is $47,631. The poverty rate stands at 1.7% and the unemployment rate at 3.5%. On housing, the median home value is $305,400 (74% above the state average) with median rent at $1,172 per month, and 89.2% of occupied units are owner-occupied, a direct signal of whether 51576 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 31.1% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 26 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Pottawattamie County, so you can benchmark 51576 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 →

Top industries in ZIP 51576

Construction

7
Transportation and warehousing

6
Accommodation and food services

6
Retail trade

5
Professional, scientific, and technical services

4

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

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 51576, Underwood, IA · 2023 Accessed 2026-06-10 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

2,110

Population

130.2

Area (sq mi)

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 51576?

40.1

Median Age

48.6%

Male

51.4%

Female

1.0%

Foreign-Born

White 96.3%

African American 0.0%

Asian 0.7%

American Indian or Alaska Native 0.3%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 2.7%

Hispanic or Latino 2.1%

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?

$110,476

Median Household Income

+44% vs state

$47,631

Per Capita Income

1.7%

Poverty Rate

3.5%

Unemployment Rate

25.9 min

Mean Commute Time

How ZIP 51576 ranks nationally

Household income vs. every US ZIP code

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

$110,476 Top 13% higher than 87% of 30,318 US ZIPs

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 56.8%

Bachelor's Degree or Higher 31.1%

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

What does housing look like?

706

Total Housing Units

650

Occupied Units

Vacant Units

2.72

Avg Household Size

Occupancy Type

Owner 89.2%

Renter 10.8%

$305,400

Median Home Value

+74% vs state

$1,172

Median Rent

1979

Median Year Built

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

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-2.1%

YoY Change (2024)

198

HPI Index (2000 = 100)

+98%

Total Change Since 2000

Home values in ZIP 51576 have decreased 2.1% over the past year (2024). Since 2000, this ZIP has seen +98% cumulative appreciation.

Year	Annual Change	HPI Index
2020	-3.1%	141
2021	+9.9%	155
2022	+12.2%	174
2023	+15.9%	202
2024	-2.1%	198

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 39 business establishments in ZIP 51576, employing approximately 423 people with a combined annual payroll of $22,903,000.

Businesses

423

Employees

$22.9M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	7	17.9%
Transportation and warehousing	6	15.4%
Accommodation and food services	6	15.4%
Retail trade	5	12.8%
Professional, scientific, and technical services	4	10.3%
Wholesale trade	3	7.7%
Administrative and support and waste management and remediation services	3	7.7%

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 51576 vs 51548 →

51503

36,376
51576

2,110
51559

1,788
51575

1,616
51542

1,011
51548

433

What this shows Among its immediate neighbors, ZIP 51576 ranks #2 by population — useful context the national average alone can't give.

51542

$118,165
51548

$114,583
51575

$112,115
51576

$110,476
51503

$79,010
51559

$74,761

What this shows By household income, ZIP 51576 ranks #4 of 6 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
51548	Mc Clelland, IA	433	5.6 mi
51559	Neola, IA	1,788	6.4 mi
51542	Honey Creek, IA	1,011	8.0 mi
51503	Council Bluffs, IA	36,376	10.6 mi
51575	Treynor, IA	1,616	10.9 mi

More ZIP Codes in Pottawattamie County

Pottawattamie County Underwood, IA Iowa

Frequently Asked Questions

What county is ZIP code 51576 in? ▼

ZIP code 51576 (Underwood) is located in Pottawattamie County, Iowa. Pottawattamie County contains multiple ZIP codes, see the full list at /counties/pottawattamie-ia.

What is the population of ZIP code 51576? ▼

ZIP code 51576 in Underwood, IA has a population of 2,110 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 51576? ▼

The median household income in ZIP 51576 is $110,476, which is 45% above the national average of $76,288.

What is the average home value in ZIP 51576? ▼

The median home value in ZIP 51576 is $305,400, which is 10% above the national average of $278,155.

What is the demographic makeup of ZIP 51576? ▼

The largest racial group in ZIP 51576 is White at 96.3%. Hispanic or Latino residents make up 2.1% of the population.

How many businesses are in ZIP code 51576? ▼

ZIP code 51576 has 39 business establishments employing approximately 423 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 51576? ▼

The top industries by establishment count in ZIP 51576 are: Construction (7), Transportation and warehousing (6), Accommodation and food services (6). There are 7 industry sectors represented in total.

How have home values changed in ZIP code 51576? ▼

According to the FHFA House Price Index, home values in ZIP 51576 decreased by 2.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 98%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.

What is the education level in ZIP code 51576? ▼

In ZIP code 51576, 56.8% of residents aged 25+ have a high school diploma or higher, and 31.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What is the average commute time in ZIP 51576? ▼

The mean commute time for workers in ZIP code 51576 is 25.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 51576? ▼

In ZIP code 51576, approximately 89.2% of occupied housing units are owner-occupied and 10.8% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 51576? ▼

The poverty rate in ZIP code 51576 is 1.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.