ZIP code 51232

ZIP 51232 is a very small community in Osceola County, Iowa, with 713 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #571 of 970 ranked by population — larger than 41% of them. The median age here is 49.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 51232 earn a median of $79,250 a year, essentially level with the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 4.8% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 51232 is valued at $97,700, 67.8% below the national figure, while median gross rent runs $1,075 a month, 23.5% below the national figure, or roughly $12,900 across a full year. A household on the local median income would put about 16.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 1.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 80.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

With 713 residents, a handful of survey responses moves every median on this page. Compare ZIP 51232 against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 51232 is tabulated inside Osceola County, Iowa, one of 5 ZIP areas the Census publishes for that county and 970 across Iowa. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 51232 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 51232 reports a median household income of $79,250, 12% above the $70,625 county median, and 11% above the $71,182 typical IA ZIP. Owner-occupied homes are valued at a median of $97,700, 24% below the county figure and 36% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,075 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Iowa charges 6% statewide, and local governments overlapping 51232 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 51232 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.