ZIP Code 52032 — Bernard city, IA Demographics & Data

ZIP code 52032 covers Bernard, IA in Dubuque County with a population of about 1,277.

At a glance, the area shows median age of 47.9 versus a U.S. median of about 38.9.

It sits in telephone area code 563; U.S. House district IA-1; the CEDAR RAPIDS - WTRLO - IWC&DUB media market.

Median household income in ZIP 52032 is about $83,625 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 4.1%; 11.0% of adults with a bachelor’s degree or higher (about 22.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Other services, and Agriculture; about 16.1% of workers reporting work-from-home (roughly in line with 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 $260,300 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $180 (about 85% below the U.S. median rent ($1,163)), and owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52032 in Bernard, IA, a household would need roughly $72,000 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 $1,672. That sits below the local median household income ($83,625), 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 Bernard city, IA as Relatively Low (composite score 63.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.4) and wildfire (22.8). 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 Bernard city, IA show little to no average snow and around 39.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 73 for ZIP 52032 (Bernard 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.