ZIP Code 69144 — Keystone CDP, NE Demographics & Data

ZIP code 69144 covers Keystone, NE in Keith County with a population of about 127.

At a glance, the area shows median age of 54.6 versus a U.S. median of about 38.9.

It sits in telephone area code 308; U.S. House district NE-3; the DENVER media market.

Keystone, NE reads as a military / base-oriented community on US5’s intent model (elevated veteran share (22.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 69144 is about $62,788 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 2.2%; 21.9% of adults with a bachelor’s degree or higher (about 11.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Wholesale trade; about 8.2% of workers reporting work-from-home (about 7.0 points below the U.S. share (15.2%)); a mean commute of about 67.0 minutes (U.S. average near 26.8).

Median home value is about $285,300 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 54.0% (about 11.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 69144 in Keystone, NE, a household would need roughly $79,000 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 $1,833. That is about 26% above the local median household income ($62,788), so the median earner would likely stretch or need a larger down payment. 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 Keystone CDP, NE as Very Low (composite score 13.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (66.8) and flood (15.3). 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 Keystone CDP, NE show little to no average snow and around 19.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 69144 (Keystone 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.