ZIP Code 68654 — Polk village, NE Demographics & Data

ZIP code 68654 covers Polk, NE in Polk County with a population of about 528.

At a glance, the area shows median age of 43.6 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 68654 is about $63,125 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 1.0%; 10.6% of adults with a bachelor’s degree or higher (about 23.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Retail trade; about 7.0% of workers reporting work-from-home (about 8.2 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 $95,600 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $379 (about 67% below the U.S. median rent ($1,163)), and owner-occupancy near 85.3% (about 19.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68654 in Polk, NE, a household would need roughly $26,000 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 $614. That sits below the local median household income ($63,125), 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 Polk village, NE as Very Low (composite score 25.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (38.4) and flood (16.4). 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 Polk village, NE show little to no average snow and around 28.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 68654 (Polk 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.