69120 ZIP Code — Arnold, NE

Custer County, Nebraska

ZIP code 69120 is located in Arnold, Nebraska, within Custer County. It covers approximately 369.80 square miles and serves a population of 1,181 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 308.

About ZIP code 69120

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $130,000. Owner-occupancy sits near the national average at 68%.

Median household income is $70,511. The poverty rate of 4% is below the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

15% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 69120 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

1,181
population
369.80
sq mi land
Standard
ZIP type
Central (CT)
timezone
69120 ZIP code map
Cities in ZIP code 69120

Below are the cities the US Postal Service accepts for ZIP code 69120. Using any city not on this list may result in mail delivery delays.

City Status
Arnold Acceptable
Arnold Preferred
Nearby ZIP codes
69163 Stapleton (16.9 mi) 68856 Merna (16.9 mi) 68833 Dunning (19 mi)
Demographics updated 05/2026
Population
Total population 1,181
Population density 3 / sq mi
State FIPS 31
County FIPS 041
Geography
Land area 369.80 sq mi
Water area 0.05 sq mi
Latitude 41.5304
Longitude -100.1570
Timezone Central (CT)
Area code 308
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 39.4% 46.7% 39.5%
$50k – $100k 34.5% 32.9% 33.4%
$100k – $200k 23.2% 16.4% 22.0%
Over $200k 2.8% 4.0% 5.2%

Demographics & statistics

1,181
Population
3
People per sq mi
36.6
Median age
$70,511
Median household income
$35,518
Per capita income
$130,000
Median home value
$722
Median monthly rent
67.5%
Home ownership
3.5%
Poverty rate
1.1%
Unemployment
337
Housing units
24.6%
Bachelor's or higher

Age distribution

Male Female
70
Under 5
69
44
5–9
43
48
10–14
48
33
15–19
33
21
20–24
20
71
25–34
70
63
35–44
63
61
45–54
61
43
55–59
43
26
60–64
26
66
65–74
65
34
75–84
34
13
85+
13
← Male
Female →

Age summary

GroupCount%
Under 1836430.8%
18 and over81769.2%
65 and over22519.1%
Median age36.6 years

Race & ethnicity

White 91.6%
Hispanic or Latino 3.9%
Other race 2.5%
Two or more races 1.9%
American Indian / Alaska Native 0.1%
GroupCount%
White1,12691.6%
Hispanic or Latino483.9%
Other race312.5%
Two or more races231.9%
American Indian / Alaska Native10.1%

Household income

Income range This ZIP County avg State avg
Under $50k 39.4% 46.7% 39.5%
$50k – $100k 34.5% 32.9% 33.4%
$100k – $200k 23.2% 16.4% 22.0%
Over $200k 2.8% 4.0% 5.2%
Under $10k 1.1%
$10k–$15k 1.9%
$15k–$25k 7.5%
$25k–$35k 10.5%
$35k–$50k 9.4%
$50k–$75k 26.6%
$75k–$100k 10.5%
$100k–$150k 20.6%
$150k–$200k 4.7%
$200k+ 7.3%
Range% of households
Under $10k1.1%
$10k–$15k1.9%
$15k–$25k7.5%
$25k–$35k10.5%
$35k–$50k9.4%
$50k–$75k26.6%
$75k–$100k10.5%
$100k–$150k20.6%
$150k–$200k4.7%
$200k+7.3%
Median income$70,511

Housing

Home values

Under $50k 11.4%
$50k–$100k 24.8%
$100k–$150k 27.0%
$150k–$200k 19.0%
$200k–$300k 8.3%
$300k–$500k 7.0%
$500k–$1M 2.2%
$1M+ 0.3%

Housing overview

MetricValue
Median home value$130,000
Median rent / month$722
Owner occupied67.5%
Renter occupied32.5%
Vacant4.5%
Single-family detached89.4%
Large apartment buildings1.0%
Mobile homes2.9%
Median rooms6.1
Avg household size (owned)2.65

Year built

Era%
2020 or later0.0%
2010–201910.6%
2000–200911.0%
1990–19997.2%
1980–19895.5%
1970–197914.3%
1960–19698.8%
1950–195910.4%
1940–19498.2%
1939 or earlier23.9%

Bedrooms

Size% of units
No bedroom (studio)1.0%
1 bedroom5.5%
2 bedrooms39.1%
3 bedrooms28.8%
4 bedrooms23.3%
5+ bedrooms2.2%

Vehicles per household

Vehicles% of households
No vehicle4.1%
1 vehicle15.4%
2 vehicles34.5%
3 or more46.0%

Heating fuel

Fuel type%
Utility gas8.4%
Electricity22.3%
Propane / LP gas63.8%
Wood4.3%

Households & families

Household typeCount%
Married-couple family24051.4%
Cohabiting couple6614.1%
Male householder, no spouse7716.5%
Female householder, no spouse8418.0%
Households with children under 1816134.5%
Households with seniors (65+)15132.3%
Average household size2.52

Marital status

StatusMaleFemale
Never married24.3%26.0%
Married57.8%58.4%
Separated0.5%1.1%
Widowed8.5%6.7%
Divorced9.0%7.8%

Education

Less than 9th grade 1.1%
Some HS, no diploma 2.4%
HS graduate 33.1%
Some college, no degree 26.3%
Associate's degree 12.5%
Bachelor's degree 16.9%
Graduate / professional 7.7%
Metric%
HS diploma or higher96.5%
Bachelor's or higher24.6%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool175.9%
Kindergarten238.0%
Elementary school14550.3%
High school7425.7%
College / grad school2910.1%

Employment

Industry of employment

Education & healthcare 23.9%
Agriculture & mining 15.7%
Manufacturing 15.6%
Retail trade 11.6%
Transportation & utilities 7.8%
Other services 6.5%
Arts, food & hospitality 4.7%
Finance & real estate 3.4%
Wholesale trade 3.3%
Professional & management 3.3%
Public administration 2.2%
Construction 1.4%
Information 0.7%

Occupation

Category%
Management, business & arts38.2%
Service11.0%
Sales & office16.8%
Natural resources & construction12.8%
Production & transportation21.2%

Employment type

Type%
Private sector71.2%
Government14.5%
Self-employed13.6%
Unpaid family workers0.7%

Commute

Method%
Drive alone65.8%
Carpool25.1%
Public transit0.2%
Walk3.7%
Work from home4.2%
Other means1.1%
Avg commute (minutes)27.8

Poverty

All people 3.5%
Under 18 years 1.9%
18 and over 4.2%
Married-couple families 0.8%
Female-led households 10.4%

Income support

Source% of households
Social Security30.6%
Retirement income22.9%
Supplemental Security2.6%
Cash public assistance0.2%
Food stamps / SNAP3.2%

Health indicators

Condition%
Obesity34.4%
High blood pressure37.2%
High cholesterol34.8%
Diabetes11.5%
Heart disease8.2%
Stroke3.6%
Asthma8.1%
Arthritis29.5%
Kidney disease3.4%
Pulmonary disease6.9%
Cancer9.0%
Behavior / access%
Smoking14.7%
Binge drinking19.0%
No physical activity23.3%
Less than 7 hrs sleep28.4%
Depression16.3%
Fair or poor health12.6%
Poor mental health10.6%
Poor physical health9.9%
No health insurance12.3%
Visited doctor (checkup)72.9%
Visited dentist66.1%
Cholesterol screening90.1%
Teeth loss11.5%

Veterans & disability

VeteransCount%
Civilian veterans9812.0%
Disability%
Any disability14.4%
Under 183.3%
18–64 years8.1%
65 and over48.9%

Health insurance coverage

Type%
Private insurance67.7%
Public insurance29.2%
No insurance15.3%
Uninsured under 1916.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,04288.2%
Spanish80.8%
Other Indo-European80.8%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,17699.6%
Born in same state1,16098.2%
Born in different state93078.7%
Foreign born161.4%
Naturalized citizen50.4%
Not a US citizen00.0%

Ancestry

AncestryCount%
French19516.5%
Italian13611.5%
Arab917.7%
Polish131.1%
AncestryCount%
Dutch90.8%
English30.3%
Irish10.1%

Technology access

Metric% of households
Computer access39.5%
Internet access88.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 69120

What city is ZIP code 69120 in?

ZIP code 69120 is primarily assigned to Arnold, Nebraska.

What county is ZIP code 69120 in?

ZIP code 69120 falls within Custer County, Nebraska.

Is ZIP code 69120 family-oriented?

31% of residents in ZIP code 69120 are under 18, reflecting a younger, family-oriented community.

Does ZIP code 69120 have a large veteran population?

12% of civilians in ZIP code 69120 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 69120?

The median home value in ZIP code 69120 is $130,000.

What is the population of ZIP code 69120?

ZIP code 69120 has an estimated population of 1,181 residents, with a density of 3 people per square mile.

What timezone is ZIP code 69120 in?

ZIP code 69120 observes the CST timezone.

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