50046 ZIP Code — Cambridge, IA
Story County, Iowa
ZIP code 50046 is located in Cambridge, Iowa, within Story County. It covers approximately 47.50 square miles and serves a population of 1,652 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 515.
About ZIP code 50046
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 $196,800. Owner-occupancy is high at 87%, well above the national average.
Median household income is $87,375.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.
Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.
1,652
population
47.50
sq mi land
Standard
ZIP type
Central (CT)
timezone
50046 ZIP code map
Cities in ZIP code 50046
Below are the cities the US Postal Service accepts for ZIP code 50046. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Cambridge | Preferred |
Nearby ZIP codes
50124 Huxley (4.2 mi)
50161 Maxwell (6.4 mi)
50244 Slater (6.8 mi)
50073 Elkhart (7.1 mi)
50007 Alleman (7.2 mi)
50010 Ames (10.4 mi)
50201 Nevada (10.5 mi)
50013 Ames (11.1 mi)
50021 Ankeny (11.2 mi)
50012 Ames (11.2 mi)
50011 Ames (11.3 mi)
50226 Polk City (11.5 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 1,652 |
| Population density | 35 / sq mi |
| State FIPS | 19 |
| County FIPS | 169 |
| Geography | |
|---|---|
| Land area | 47.50 sq mi |
| Water area | 0.32 sq mi |
| Latitude | 41.8854 |
| Longitude | -93.5328 |
| Timezone | Central (CT) |
| Area code | 515 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 30.5% | 43.0% | 40.1% |
| $50k – $100k | 34.5% | 29.3% | 33.4% |
| $100k – $200k | 32.1% | 22.2% | 21.5% |
| Over $200k | 2.9% | 5.5% | 5.0% |
Demographics & statistics
1,652
Population
35
People per sq mi
37.9
Median age
$87,375
Median household income
$41,936
Per capita income
$196,800
Median home value
$863
Median monthly rent
87.4%
Home ownership
7.8%
Poverty rate
2.8%
Unemployment
731
Housing units
34.7%
Bachelor's or higher
Age distribution
Male
Female
76
Under 5
81
59
5–9
62
64
10–14
68
43
15–19
45
22
20–24
23
99
25–34
105
100
35–44
106
121
45–54
128
56
55–59
60
53
60–64
56
72
65–74
75
31
75–84
33
7
85+
7
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 492 | 29.8% |
| 18 and over | 1,160 | 70.2% |
| 65 and over | 225 | 13.6% |
| Median age | 37.9 years | |
Race & ethnicity
White
94.6%
Two or more races
3%
Hispanic or Latino
1.5%
Other race
0.5%
Black or African American
0.2%
Asian
0.1%
| Group | Count | % |
|---|---|---|
| White | 1,586 | 94.6% |
| Two or more races | 51 | 3% |
| Hispanic or Latino | 25 | 1.5% |
| Other race | 9 | 0.5% |
| Black or African American | 4 | 0.2% |
| Asian | 2 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 30.5% | 43.0% | 40.1% |
| $50k – $100k | 34.5% | 29.3% | 33.4% |
| $100k – $200k | 32.1% | 22.2% | 21.5% |
| Over $200k | 2.9% | 5.5% | 5.0% |
Under $10k
1.3%
$10k–$15k
2.7%
$15k–$25k
9.1%
$25k–$35k
11.7%
$35k–$50k
5.5%
$50k–$75k
10.5%
$75k–$100k
15.9%
$100k–$150k
22.8%
$150k–$200k
12.3%
$200k+
8.1%
| Range | % of households |
|---|---|
| Under $10k | 1.3% |
| $10k–$15k | 2.7% |
| $15k–$25k | 9.1% |
| $25k–$35k | 11.7% |
| $35k–$50k | 5.5% |
| $50k–$75k | 10.5% |
| $75k–$100k | 15.9% |
| $100k–$150k | 22.8% |
| $150k–$200k | 12.3% |
| $200k+ | 8.1% |
| Median income | $87,375 |
Housing
Home values
Under $50k
2.2%
$50k–$100k
14.2%
$100k–$150k
11.3%
$150k–$200k
24.0%
$200k–$300k
20.1%
$300k–$500k
12.2%
$500k–$1M
11.1%
$1M+
4.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $196,800 |
| Median rent / month | $863 |
| Owner occupied | 87.4% |
| Renter occupied | 12.6% |
| Vacant | 18.2% |
| Single-family detached | 88.6% |
| Large apartment buildings | 0.0% |
| Mobile homes | 2.6% |
| Median rooms | 6.4 |
| Avg household size (owned) | 2.56 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 13.7% |
| 2000–2009 | 11.8% |
| 1990–1999 | 8.6% |
| 1980–1989 | 3.2% |
| 1970–1979 | 13.5% |
| 1960–1969 | 8.7% |
| 1950–1959 | 1.1% |
| 1940–1949 | 2.2% |
| 1939 or earlier | 37.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 8.0% |
| 1 bedroom | 4.3% |
| 2 bedrooms | 19.4% |
| 3 bedrooms | 43.3% |
| 4 bedrooms | 19.0% |
| 5+ bedrooms | 6.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 1.8% |
| 1 vehicle | 25.0% |
| 2 vehicles | 34.8% |
| 3 or more | 38.4% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 48.7% |
| Electricity | 7.9% |
| Propane / LP gas | 42.3% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 353 | 52.9% |
| Cohabiting couple | 28 | 4.2% |
| Male householder, no spouse | 113 | 16.9% |
| Female householder, no spouse | 173 | 25.9% |
| Households with children under 18 | 242 | 36.3% |
| Households with seniors (65+) | 169 | 25.3% |
| Average household size | 2.48 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 18.8% | 13.0% |
| Married | 63.0% | 59.5% |
| Separated | 2.7% | 1.6% |
| Widowed | 5.5% | 16.3% |
| Divorced | 10.1% | 9.7% |
Education
Less than 9th grade
0.6%
Some HS, no diploma
1.8%
HS graduate
22.9%
Some college, no degree
24.3%
Associate's degree
15.7%
Bachelor's degree
22.1%
Graduate / professional
12.6%
| Metric | % |
|---|---|
| HS diploma or higher | 97.6% |
| Bachelor's or higher | 34.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 37 | 9.9% |
| Kindergarten | 9 | 2.4% |
| Elementary school | 229 | 61.6% |
| High school | 85 | 22.8% |
| College / grad school | 12 | 3.2% |
Employment
Industry of employment
Education & healthcare
29.9%
Manufacturing
14.1%
Construction
10.4%
Professional & management
6.9%
Arts, food & hospitality
5.6%
Finance & real estate
5.5%
Other services
5.4%
Retail trade
5.1%
Public administration
5.1%
Transportation & utilities
4.0%
Agriculture & mining
3.9%
Wholesale trade
2.5%
Information
1.5%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 47.6% |
| Service | 20.5% |
| Sales & office | 14.7% |
| Natural resources & construction | 5.4% |
| Production & transportation | 11.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 67.9% |
| Government | 19.4% |
| Self-employed | 12.7% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 82.3% |
| Carpool | 9.1% |
| Public transit | 0.0% |
| Walk | 0.3% |
| Work from home | 7.8% |
| Other means | 0.5% |
| Avg commute (minutes) | 26.6 |
Poverty
All people
7.8%
Under 18 years
9.1%
18 and over
7.3%
Married-couple families
1.4%
Female-led households
23.5%
Income support
| Source | % of households |
|---|---|
| Social Security | 25.8% |
| Retirement income | 28.3% |
| Supplemental Security | 2.5% |
| Cash public assistance | 0.6% |
| Food stamps / SNAP | 5.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 31.7% |
| High blood pressure | 27.4% |
| High cholesterol | 31.5% |
| Diabetes | 7.9% |
| Heart disease | 5.0% |
| Stroke | 2.2% |
| Asthma | 8.9% |
| Arthritis | 21.2% |
| Kidney disease | 2.3% |
| Pulmonary disease | 4.8% |
| Cancer | 6.3% |
| Behavior / access | % |
|---|---|
| Smoking | 13.2% |
| Binge drinking | 23.3% |
| No physical activity | 16.9% |
| Less than 7 hrs sleep | 26.6% |
| Depression | 16.0% |
| Fair or poor health | 9.1% |
| Poor mental health | 11.9% |
| Poor physical health | 7.4% |
| No health insurance | 7.0% |
| Visited doctor (checkup) | 71.7% |
| Visited dentist | 76.1% |
| Cholesterol screening | 90.2% |
| Teeth loss | 8.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 75 | 6.5% |
| Disability | % |
|---|---|
| Any disability | 10.1% |
| Under 18 | 3.7% |
| 18–64 years | 7.4% |
| 65 and over | 35.6% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 87.9% |
| Public insurance | 20.1% |
| No insurance | 2.4% |
| Uninsured under 19 | 0.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 1,495 | 90.5% |
| Spanish | 6 | 0.4% |
| Other Indo-European | 6 | 0.4% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 1,591 | 96.3% |
| Born in same state | 1,586 | 96.0% |
| Born in different state | 1,281 | 77.5% |
| Foreign born | 5 | 0.3% |
| Naturalized citizen | 61 | 3.7% |
| Not a US citizen | 57 | 93.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Polish | 240 | 14.5% |
| French | 224 | 13.6% |
| English | 93 | 5.6% |
| Italian | 81 | 4.9% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 45 | 2.7% |
| Arab | 33 | 2% |
| Irish | 5 | 0.3% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 40.4% |
| Internet access | 95.4% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 50046
What city is ZIP code 50046 in?
ZIP code 50046 is primarily assigned to Cambridge, Iowa.
What county is ZIP code 50046 in?
ZIP code 50046 falls within Story County, Iowa.
Is ZIP code 50046 mostly owner-occupied?
87% of occupied units in ZIP code 50046 are owner-occupied, well above the national average.
What is the population of ZIP code 50046?
ZIP code 50046 has an estimated population of 1,652 residents, with a density of 35 people per square mile.
What is the typical home value in ZIP code 50046?
The median home value in ZIP code 50046 is $196,800.
What is the median household income in ZIP code 50046?
The median household income in ZIP code 50046 is $87,375, above the national median of ~$75,000.
What timezone is ZIP code 50046 in?
ZIP code 50046 observes the CST timezone.