ZIP Code 51561 — Pacific Junction city, IA Demographics & Data

ZIP code 51561 covers Pacific Junction, IA in Mills County with a population of about 716.

At a glance, the area shows median age of 57.2 versus a U.S. median of about 38.9.

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

Pacific Junction, IA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 51561 is about $89,665 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 1.0%; 46.1% of adults with a bachelor’s degree or higher (about 12.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Finance and insurance, and Education; about 10.7% of workers reporting work-from-home (about 4.5 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 $381,800 — about 10% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51561 in Pacific Junction, IA, a household would need roughly $105,000 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 $2,453. That is about 17% above the local median household income ($89,665), so the median earner would likely stretch or need a larger down payment. 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 Pacific Junction city, IA as Very Low (composite score 18.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (52.4) and flood (27.4). 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 Pacific Junction city, IA show little to no average snow and around 34.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 51561 (Pacific Junction 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.