ZIP Code 68820 — Howard City (Boelus) village, NE Demographics & Data

ZIP code 68820 covers Howard City (Boelus), NE in Howard County with a population of about 266.

At a glance, the area shows median age of 56.5 versus a U.S. median of about 38.9.

It sits in telephone area code 308; U.S. House district NE-3; the LINCOLN & HSTNGS - KRNY media market.

Howard City (Boelus), 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 68820 is about $78,333 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 1.2%; 24.6% of adults with a bachelor’s degree or higher (about 9.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Retail trade, and Manufacturing; about 8.8% of workers reporting work-from-home (about 6.4 points below the U.S. share (15.2%)); a mean commute of about 145.0 minutes (U.S. average near 26.8).

Median home value is about $110,800 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $425 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68820 in Howard City (Boelus), NE, a household would need roughly $31,000 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 $712. That sits below the local median household income ($78,333), 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 Howard City (Boelus) village, NE as Very Low (composite score 24.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (52.8) and flood (14.7). 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 Howard City (Boelus) village, NE show little to no average snow and around 26.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 68820 (Howard City (Boelus) 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.