PlainZIP

Polk, NE · standard

ZIP Code 68654

Polk County, Nebraska - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

541
4/sq mi
$64,643
Median income
$115,700
Median home value
13.4%
Bachelor's or higher

The verdict

Polk pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

38th pct
household income, US ZIPs
15th pct
home value, US ZIPs
4
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 68654 against every reporting US ZIP.

ZIP code 68654 is a sparsely populated ZIP (a standard USPS delivery area) in Polk, Polk County, Nebraska, home to just 541 residents across 138.7 square miles, a density of 4 people per square mile, in the Chicago time zone.

ZIP 68654 reports a modest median household income of $64,643 (16% below the Nebraska average), while per-capita income is $35,767. 10.9% of residents live below the poverty line, and the unemployment rate reads 1.6%. On housing, the median home value is $115,700 (38% below the state average) with median rent at $725 per month, and 82.0% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 13.4% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 22 minutes. To put 68654 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Polk County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 68654, Polk, NE · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

541

Population

138.7

Area (sq mi)

4

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 68654?

42.9

Median Age

42.5%

Male

57.5%

Female

2.8%

Foreign-Born

White 90.5%
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 4.4%
Hispanic or Latino 8.8%

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?

$64,643

Median Household Income

-16% vs state

$35,767

Per Capita Income

10.9%

Poverty Rate

1.6%

Unemployment Rate

22.2 min

Mean Commute Time

How ZIP 68654 ranks nationally

Polk, NE household income vs. every US ZIP code

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

$64,643 38th percentile higher than 38% 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 51.5%
Bachelor's Degree or Higher 13.4%

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

What does housing look like?

269

Total Housing Units

244

Occupied Units

25

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 82.0%
Renter 18.0%

$115,700

Median Home Value

-38% vs state

$725

Median Rent

1938

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 13 business establishments in ZIP 68654, employing approximately 25 people with a combined annual payroll of $1,311,000.

13

Businesses

25

Employees

$1.3M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 4 30.8%
Construction 3 23.1%

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 68654 vs 68846 →

ZIP 68654 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 68654 ranks #2 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 68654 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 68654 ranks #3 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
68846 Hordville, NE 296 5.3 mi
68319 Bradshaw, NE 552 9.5 mi

More ZIP Codes in Polk County

68666 standard
Stromsburg, NE
Pop: 1,611
68651 standard
Osceola, NE
Pop: 1,470
68662 standard
Shelby, NE
Pop: 1,231

Related Areas

Polk County Polk, NE Nebraska

Frequently Asked Questions

What county is ZIP code 68654 in? ▼
ZIP code 68654 (Polk) is located in Polk County, Nebraska. Polk County contains multiple ZIP codes, see the full list at /counties/polk-ne.
What is the population of ZIP code 68654? ▼
ZIP code 68654 in Polk, NE has a population of 541 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 68654? ▼
The median household income in ZIP 68654 is $64,643, which is 15% below the national average of $76,288.
What is the average home value in ZIP 68654? ▼
The median home value in ZIP 68654 is $115,700, which is 58% below the national average of $278,155.
What is the demographic makeup of ZIP 68654? ▼
The largest racial group in ZIP 68654 is White at 90.5%. Hispanic or Latino residents make up 8.8% of the population.
How many businesses are in ZIP code 68654? ▼
ZIP code 68654 has 13 business establishments employing approximately 25 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 68654? ▼
In ZIP code 68654, 51.5% of residents aged 25+ have a high school diploma or higher, and 13.4% 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 68654? ▼
The mean commute time for workers in ZIP code 68654 is 22.2 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 68654? ▼
In ZIP code 68654, approximately 82.0% of occupied housing units are owner-occupied and 18.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 68654? ▼
The poverty rate in ZIP code 68654 is 10.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.