ZIP Code 51510 — Carter Lake city, IA Demographics & Data

ZIP code 51510 covers Carter Lake, IA in Pottawattamie County with a population of about 3,773.

At a glance, the area shows median age of 40.1 (near the U.S. median).

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

Carter Lake, IA sits in a university / college context (near creighton university (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 51510 is about $75,037 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.2%; unemployment rate near 4.7%; 12.9% of adults with a bachelor’s degree or higher (about 20.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Healthcare; about 10.8% of workers reporting work-from-home (about 4.4 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 $161,200 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,056 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 84.3% (about 18.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51510 in Carter Lake, IA, a household would need roughly $44,000 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 $1,036. That sits below the local median household income ($75,037), 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 Carter Lake city, IA as Relatively Low (composite score 80.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.6) and wildfire (67.2). 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 Carter Lake city, IA show little to no average snow and around 31.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 216 for ZIP 51510 (Carter Lake 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.