ZIP Code 51040 — Onawa city, IA Demographics & Data

ZIP code 51040 covers Onawa, IA in Monona County with a population of about 3,388.

At a glance, the area shows median age of 37.5 (near the U.S. median).

It sits in telephone area code 712; U.S. House district IA-4; the SIOUX CITY media market.

Onawa, IA is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 51040 is about $60,642 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.6%; unemployment rate near 1.4%; 17.6% of adults with a bachelor’s degree or higher (about 16.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 8.5% of workers reporting work-from-home (about 6.7 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 $140,400 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $647 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 73.8% (about 8.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51040 in Onawa, IA, a household would need roughly $39,000 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 $902. That sits below the local median household income ($60,642), 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 Onawa city, IA as Very Low (composite score 25.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (63.5) and flood (25.0). 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 Onawa city, IA show little to no average snow and around 29.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 194 for ZIP 51040 (Onawa 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.