ZIP code 68446

ZIP 68446 is a small town in Otoe County, Nebraska, with 2,871 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #111 of 586 ranked by population — larger than 81% of them. The median age here is 45.2 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 68446 earn a median of $89,500 a year, 14% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 5.8% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 68446 is valued at $228,400, 24.7% below the national figure, while median gross rent runs $675 a month, 52% below the national figure, or roughly $8,100 across a full year. A household on the local median income would put about 9.1% 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 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 78.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 68446 is tabulated inside Otoe County, Nebraska, one of 11 ZIP areas the Census publishes for that county and 586 across Nebraska. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 68446 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 68446 reports a median household income of $89,500, 11% above the $80,833 county median, and 26% above the $71,050 typical NE ZIP. Owner-occupied homes are valued at a median of $228,400, 37% above the county figure and 44% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $675 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Nebraska charges 5.5% statewide, and local governments overlapping 68446 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 68446 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.