ZIP Code 50078 — Ferguson city, IA Demographics & Data

ZIP code 50078 covers Ferguson, IA in Marshall County with a population of about 97.

At a glance, the area shows median age of 53.6 versus a U.S. median of about 38.9.

It sits in telephone area code 641; U.S. House district IA-4; the DES MOINES - AMES media market.

Median household income in ZIP 50078 is about $51,250 — about 32% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 18.9%; 10.8% of adults with a bachelor’s degree or higher (about 22.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Finance and insurance, and Construction; a mean commute of about 30.0 minutes (U.S. average near 26.8).

Median home value is about $75,700 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 80.0% (about 14.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50078 in Ferguson, IA, a household would need roughly $21,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $486. That sits below the local median household income ($51,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Ferguson city, IA as Relatively Low (composite score 62.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (63.1) and wildfire (62.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Ferguson city, IA show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 6 for ZIP 50078 (Ferguson city, IA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.