ZIP Code 50435 — Floyd city, IA Demographics & Data

ZIP code 50435 covers Floyd, IA in Floyd County with a population of about 764.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

It sits in telephone area code 641; U.S. House district IA-2; the ROCHESTR - MASON CITY - AUSTIN media market.

Median household income in ZIP 50435 is about $68,194 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 1.3%; 12.2% of adults with a bachelor’s degree or higher (about 21.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Wholesale trade; about 21.0% of workers reporting work-from-home (about 5.8 points above 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 $148,400 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $470 (about 60% below the U.S. median rent ($1,163)), and owner-occupancy near 75.6% (about 10.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50435 in Floyd, IA, a household would need roughly $41,000 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 $953. That sits below the local median household income ($68,194), 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 Floyd city, IA as Relatively Low (composite score 47.7), which is near the middle of the national distribution. The strongest component scores on US5 are flood (56.3) and wildfire (28.8). 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 Floyd city, IA show little to no average snow and around 37.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 50435 (Floyd 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.