Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP code 50427 covers Chapin, IA in Franklin County with a population of about 146.
At a glance, the area shows median age of 39.7 (near the U.S. median).
It sits in telephone area code 641; U.S. House district IA-4; the DES MOINES - AMES media market.
Median household income in ZIP 50427 is about $70,377 — about 6% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 47.8% of adults with a bachelor’s degree or higher (about 14.0 points above the national share (33.7%)).
Labor and commute patterns include leading industry context around Professional services and Healthcare; a mean commute of about 76.0 minutes (U.S. average near 26.8).
Median home value is about $85,900 — about 75% below the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 50427 in Chapin, IA, a household would need roughly $24,000 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 $552. That sits below the local median household income ($70,377), 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 Chapin CDP, IA as Very Low (composite score 21.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (14.0) and hurricane (11.6). 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 Chapin CDP, IA show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 8 for ZIP 50427 (Chapin CDP, 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.