ZIP Code 68401 — McCool Junction village, NE Demographics & Data

ZIP code 68401 covers McCool Junction, NE in York County with a population of about 1,073.

At a glance, the area shows median age of 28.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 402, 531; U.S. House district NE-3; the LINCOLN & HSTNGS - KRNY media market.

Median household income in ZIP 68401 is about $108,125 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 1.0%; 22.0% of adults with a bachelor’s degree or higher (about 11.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Education; about 2.3% of workers reporting work-from-home (about 12.9 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 $176,100 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $545 (about 53% 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 68401 in McCool Junction, NE, a household would need roughly $48,000 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 $1,131. That sits below the local median household income ($108,125), 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 McCool Junction village, NE as Relatively Low (composite score 52.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (37.4) and flood (25.0). 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 McCool Junction village, NE show little to no average snow and around 27.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 69 for ZIP 68401 (McCool Junction village, NE) 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.