ZIP code 68815

ZIP 68815 is a very small community in Valley County, Nebraska, with 698 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #306 of 586 ranked by population — larger than 47% of them. The median age here is 47 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 68815 earn a median of $78,281 a year, essentially level with the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 5.9% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 68815 is valued at $179,500, 40.8% below the national figure, while median gross rent runs $575 a month, 59.1% below the national figure, or roughly $6,900 across a full year. A household on the local median income would put about 8.8% 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 2.3×, 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. 76.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 698 residents, a handful of survey responses moves every median on this page. Compare ZIP 68815 against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 68815 is tabulated inside Valley County, Nebraska, one of 4 ZIP areas the Census publishes for that county and 586 across Nebraska. 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 68815 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 68815 reports a median household income of $78,281, 19% above the $65,527 county median, and 10% above the $71,050 typical NE ZIP. Owner-occupied homes are valued at a median of $179,500, 18% above the county figure and 13% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $575 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 68815 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 68815 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.