ZIP Code 50321 — Des Moines city, IA Demographics & Data

ZIP code 50321 covers Des Moines, IA in Polk County with a population of about 7,787.

At a glance, the area shows median age of 36.0 versus a U.S. median of about 38.9.

It sits in telephone area code 515; U.S. House district IA-3; the DES MOINES - AMES media market.

Median household income in ZIP 50321 is about $77,636 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 6.4%; 41.2% of adults with a bachelor’s degree or higher (about 7.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Healthcare, and Food services; about 12.6% of workers reporting work-from-home (about 2.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $294,100 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $978 (about 16% below the U.S. median rent ($1,163)), and owner-occupancy near 60.5% (about 4.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50321 in Des Moines, IA, a household would need roughly $81,000 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 $1,889. That is roughly in line with the local median household income ($77,636). 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 Des Moines city, IA as Relatively Moderate (composite score 92.0), which is among the highest nationally. The strongest component scores on US5 are flood (92.1) and wildfire (57.7). 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 Des Moines city, IA show little to no average snow and around 36.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 447 for ZIP 50321 (Des Moines 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.