ZIP Code 68621 — Ames CDP, NE Demographics & Data

ZIP code 68621 covers Ames, NE in Dodge County with a population of about 164.

At a glance, the area shows median age of 55.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 402, 531; U.S. House district NE-1; the OMAHA media market.

Ames, NE 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 68621 is about $74,844 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Food services, Construction, and Retail trade; a mean commute of about 142.0 minutes (U.S. average near 26.8).

Median home value is about $187,100 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68621 in Ames, NE, a household would need roughly $52,000 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 $1,202. That sits below the local median household income ($74,844), 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 Ames CDP, NE as Relatively Low (composite score 67.4), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (70.3) and flood (67.3). 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 Ames CDP, NE show little to no average snow and around 30.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 68621 (Ames CDP, 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.