ZIP Code 52231 — Harper city, IA Demographics & Data

ZIP code 52231 covers Harper, IA in Keokuk County with a population of about 497.

At a glance, the area shows median age of 39.5 (near the U.S. median).

It sits in telephone area code 641; U.S. House district IA-1; the CEDAR RAPIDS - WTRLO - IWC&DUB media market.

Median household income in ZIP 52231 is about $69,545 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.8%; unemployment rate near 2.5%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Agriculture; about 4.7% of workers reporting work-from-home (about 10.5 points below the U.S. share (15.2%)); a mean commute of about 162.0 minutes (U.S. average near 26.8).

Median home value is about $228,700 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $430 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 87.2% (about 21.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52231 in Harper, IA, a household would need roughly $63,000 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 $1,469. That is roughly in line with the local median household income ($69,545). 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 Harper city, IA as Very Low (composite score 21.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (44.4) and flood (29.6). 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 Harper city, IA show little to no average snow and around 37.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 29 for ZIP 52231 (Harper 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.