ZIP Code 51044 — Oto city, IA Demographics & Data

ZIP code 51044 covers Oto, IA in Woodbury County with a population of about 173.

At a glance, the area shows median age of 72.4 versus a U.S. median of about 38.9.

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

Oto, 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 51044 is about $88,750 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 24.3%; 32.2% of adults with a bachelor’s degree or higher (about 1.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Manufacturing, and Food services; about 6.1% of workers reporting work-from-home (about 9.1 points below the U.S. share (15.2%)); a mean commute of about 31.0 minutes (U.S. average near 26.8).

Median home value is about $84,100 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.6% (about 29.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51044 in Oto, IA, a household would need roughly $23,000 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 $540. That sits below the local median household income ($88,750), 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 Oto city, IA as Relatively Moderate (composite score 83.3), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (87.4) and flood (78.2). 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 Oto city, IA show little to no average snow and around 32.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 51044 (Oto 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.