51439 ZIP Code — Charter Oak, IA

Crawford County, Iowa

ZIP code 51439 is located in Charter Oak, Iowa, within Crawford County. It covers approximately 85.93 square miles and serves a population of 771 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 712.

About ZIP code 51439

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 $84,700. Owner-occupancy sits near the national average at 67%.

Median household income is $60,667. 46% 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 19 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 51439 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

771

population

85.93

sq mi land

Standard

ZIP type

Central (CT)

timezone

51439 ZIP code map

Cities in ZIP code 51439

Below are the cities the US Postal Service accepts for ZIP code 51439. Using any city not on this list may result in mail delivery delays.

City	Status
Charter Oak	Preferred

Nearby ZIP codes

51060 Ute (7.2 mi) 51461 Schleswig (7.7 mi) 51034 Mapleton (10.2 mi) 51528 Dow City (10.2 mi) 51442 Denison (11.8 mi) 51572 Soldier (12.6 mi) 51006 Battle Creek (14.2 mi) 51441 Deloit (14.8 mi) 51019 Danbury (15.6 mi) 51448 Kiron (16.5 mi) 51529 Dunlap (16.6 mi) 51558 Moorhead (17.7 mi)

Demographics updated 06/2026

Population
Total population	771
Population density	9 / sq mi
State FIPS	19
County FIPS	047

Geography
Land area	85.93 sq mi
Water area	0.17 sq mi
Latitude	42.0897
Longitude	-95.5851
Timezone	Central (CT)
Area code	712

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.7%	44.4%	40.1%
$50k – $100k	44.8%	33.2%	33.4%
$100k – $200k	4.9%	18.6%	21.5%
Over $200k	0.5%	3.7%	5.0%

Demographics & statistics

771

Population

People per sq mi

56.4

Median age

$60,667

Median household income

$33,741

Per capita income

$84,700

Median home value

$703

Median monthly rent

67.4%

Home ownership

16.1%

Poverty rate

1.1%

Unemployment

319

Housing units

8.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	126	16.3%
18 and over	645	83.7%
65 and over	273	35.4%
Median age	56.4 years

Race & ethnicity

White 96.2%

Two or more races 2.2%

Asian 1.3%

American Indian / Alaska Native 0.3%

Group	Count	%
White	742	96.2%
Two or more races	17	2.2%
Asian	10	1.3%
American Indian / Alaska Native	2	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.7%	44.4%	40.1%
$50k – $100k	44.8%	33.2%	33.4%
$100k – $200k	4.9%	18.6%	21.5%
Over $200k	0.5%	3.7%	5.0%

Under $10k 3.1%

$10k–$15k 4.3%

$15k–$25k 9.4%

$25k–$35k 5.7%

$35k–$50k 16.6%

$50k–$75k 27.4%

$75k–$100k 20.0%

$100k–$150k 7.4%

$150k–$200k 2.6%

$200k+ 3.4%

Range	% of households
Under $10k	3.1%
$10k–$15k	4.3%
$15k–$25k	9.4%
$25k–$35k	5.7%
$35k–$50k	16.6%
$50k–$75k	27.4%
$75k–$100k	20.0%
$100k–$150k	7.4%
$150k–$200k	2.6%
$200k+	3.4%
Median income	$60,667

Housing

Home values

Under $50k 28.8%

$50k–$100k 28.0%

$100k–$150k 29.2%

$150k–$200k 3.0%

$200k–$300k 8.1%

$300k–$500k 3.0%

Housing overview

Metric	Value
Median home value	$84,700
Median rent / month	$703
Owner occupied	67.4%
Renter occupied	32.6%
Vacant	19.2%
Single-family detached	96.5%
Large apartment buildings	0.0%
Mobile homes	3.5%
Median rooms	6.7
Avg household size (owned)	1.99

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	0.2%
1990–1999	3.9%
1980–1989	2.1%
1970–1979	18.7%
1960–1969	7.4%
1950–1959	7.9%
1940–1949	2.5%
1939 or earlier	57.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.8%
2 bedrooms	28.2%
3 bedrooms	43.4%
4 bedrooms	20.6%
5+ bedrooms	6.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.9%
1 vehicle	19.1%
2 vehicles	40.0%
3 or more	40.0%

Heating fuel

Fuel type	%
Utility gas	8.0%
Electricity	46.3%
Propane / LP gas	39.7%
Fuel oil	3.7%
Wood	0.9%

Households & families

Household type	Count	%
Married-couple family	172	49.1%
Cohabiting couple	40	11.4%
Male householder, no spouse	87	24.9%
Female householder, no spouse	51	14.6%
Households with children under 18	46	13.1%
Households with seniors (65+)	169	48.3%
Average household size	2.20

Marital status

Status	Male	Female
Never married	16.0%	8.4%
Married	53.6%	66.2%
Separated	1.1%	0.0%
Widowed	8.8%	12.3%
Divorced	20.5%	13.0%

Education

Less than 9th grade 3.4%

Some HS, no diploma 4.3%

HS graduate 49.7%

Some college, no degree 25.8%

Associate's degree 8.2%

Bachelor's degree 5.6%

Graduate / professional 3.0%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	8.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	27	26.2%
Kindergarten	9	8.7%
Elementary school	50	48.5%
High school	13	12.6%
College / grad school	4	3.9%

Employment

Industry of employment

Education & healthcare 23.8%

Agriculture & mining 23.5%

Retail trade 15.5%

Transportation & utilities 9.6%

Other services 9.6%

Manufacturing 4.8%

Arts, food & hospitality 3.5%

Wholesale trade 2.7%

Public administration 2.7%

Finance & real estate 2.1%

Construction 0.8%

Professional & management 0.8%

Information 0.5%

Occupation

Category	%
Management, business & arts	27.8%
Service	16.6%
Sales & office	17.6%
Natural resources & construction	17.9%
Production & transportation	20.1%

Employment type

Type	%
Private sector	65.2%
Government	11.8%
Self-employed	23.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.4%
Carpool	0.8%
Public transit	0.0%
Walk	0.0%
Work from home	14.2%
Other means	1.6%
Avg commute (minutes)	19.3

Poverty

All people 16.1%

Under 18 years 29.4%

18 and over 13.5%

Married-couple families 7.0%

Female-led households 87.5%

Income support

Source	% of households
Social Security	46.0%
Retirement income	20.9%
Supplemental Security	1.1%
Cash public assistance	0.9%
Food stamps / SNAP	11.1%

Health indicators

Condition	%
Obesity	42.0%
High blood pressure	37.8%
High cholesterol	36.9%
Diabetes	12.6%
Heart disease	8.9%
Stroke	4.1%
Asthma	9.6%
Arthritis	28.8%
Kidney disease	3.6%
Pulmonary disease	9.2%
Cancer	8.1%

Behavior / access	%
Smoking	19.7%
Binge drinking	19.5%
No physical activity	30.5%
Less than 7 hrs sleep	31.8%
Depression	17.4%
Fair or poor health	16.6%
Poor mental health	13.7%
Poor physical health	12.0%
No health insurance	11.0%
Visited doctor (checkup)	75.1%
Visited dentist	62.2%
Cholesterol screening	88.3%
Teeth loss	17.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	86	13.3%

Disability	%
Any disability	19.5%
Under 18	3.2%
18–64 years	10.2%
65 and over	39.6%

Health insurance coverage

Type	%
Private insurance	67.8%
Public insurance	56.5%
No insurance	5.3%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	723	93.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	763	99.0%
Born in same state	756	98.1%
Born in different state	619	80.3%
Foreign born	7	0.9%
Naturalized citizen	8	1.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	103	13.4%
Polish	48	6.2%
French	45	5.8%

Ancestry	Count	%
Arab	44	5.7%
Dutch	7	0.9%
English	3	0.4%

Technology access

Metric	% of households
Computer access	45.4%
Internet access	77.1%

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

Frequently asked questions about ZIP code 51439

What city is ZIP code 51439 in?

ZIP code 51439 is primarily assigned to Charter Oak, Iowa.

What county is ZIP code 51439 in?

ZIP code 51439 falls within Crawford County, Iowa.

Does ZIP code 51439 have an older population?

35% of residents in ZIP code 51439 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 51439?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 51439 have a large retiree population?

46% of households in ZIP code 51439 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 51439?

16% of residents in ZIP code 51439 live below the poverty line, above the national average.

What timezone is ZIP code 51439 in?

ZIP code 51439 observes the CST timezone.