50428 ZIP Code — Clear Lake, IA

Cerro Gordo County, Iowa

ZIP code 50428 is located in Clear Lake, Iowa, within Cerro Gordo County. It covers approximately 117.27 square miles and serves a population of 9,119 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 641.

About ZIP code 50428

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $235,900. Owner-occupancy is high at 76%, well above the national average.

The gap between median ($69,426) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 41% 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 20 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Overall, ZIP code 50428 reflects a community defined by high homeownership and a significant Social Security-dependent population.

9,119

population

117.27

sq mi land

Standard

ZIP type

Central (CT)

timezone

50428 ZIP code map

Cities in ZIP code 50428

Below are the cities the US Postal Service accepts for ZIP code 50428. Using any city not on this list may result in mail delivery delays.

City	Status
Clear Lake	Preferred

Nearby ZIP codes

50482 Ventura (4.4 mi) 50401 Mason City (10 mi) 50434 Fertile (10.5 mi) 50479 Thornton (11.2 mi) 50477 Swaledale (11.5 mi) 50444 Hanlontown (11.7 mi) 50438 Garner (12.5 mi) 50469 Rockwell (13.1 mi) 50456 Manly (13.7 mi) 50449 Klemme (13.8 mi) 50446 Joice (14.9 mi) 50457 Meservey (15.8 mi)

Demographics updated 05/2026

Population
Total population	9,119
Population density	78 / sq mi
State FIPS	19
County FIPS	033

Geography
Land area	117.27 sq mi
Water area	4.43 sq mi
Latitude	43.1324
Longitude	-93.3789
Timezone	Central (CT)
Area code	641

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%	44.2%	40.1%
$50k – $100k	30.6%	34.5%	33.4%
$100k – $200k	19.8%	16.1%	21.5%
Over $200k	10.1%	5.2%	5.0%

Demographics & statistics

9,119

Population

People per sq mi

51.3

Median age

$69,426

Median household income

$50,961

Per capita income

$235,900

Median home value

$738

Median monthly rent

76.1%

Home ownership

6.0%

Poverty rate

2.7%

Unemployment

4,495

Housing units

33.8%

Bachelor's or higher

Age distribution

Male Female

186

Under 5

204

201

5–9

219

192

10–14

210

358

15–19

390

173

20–24

189

384

25–34

420

453

35–44

494

419

45–54

458

373

55–59

408

480

60–64

525

672

65–74

734

268

75–84

292

199

85+

218

← Male

Female →

Age summary

Group	Count	%
Under 18	1,679	18.4%
18 and over	7,440	81.6%
65 and over	2,383	26.1%
Median age	51.3 years

Race & ethnicity

White 91.8%

Asian 3.5%

Two or more races 2.1%

Hispanic or Latino 1.2%

Other race 1%

Black or African American 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	8,471	91.8%
Asian	319	3.5%
Two or more races	195	2.1%
Hispanic or Latino	111	1.2%
Other race	90	1%
Black or African American	36	0.4%
American Indian / Alaska Native	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.4%	44.2%	40.1%
$50k – $100k	30.6%	34.5%	33.4%
$100k – $200k	19.8%	16.1%	21.5%
Over $200k	10.1%	5.2%	5.0%

Under $10k 2.5%

$10k–$15k 3.4%

$15k–$25k 8.2%

$25k–$35k 11.5%

$35k–$50k 13.2%

$50k–$75k 14.1%

$75k–$100k 12.7%

$100k–$150k 13.0%

$150k–$200k 9.3%

$200k+ 12.0%

Range	% of households
Under $10k	2.5%
$10k–$15k	3.4%
$15k–$25k	8.2%
$25k–$35k	11.5%
$35k–$50k	13.2%
$50k–$75k	14.1%
$75k–$100k	12.7%
$100k–$150k	13.0%
$150k–$200k	9.3%
$200k+	12.0%
Median income	$69,426

Housing

Home values

Under $50k 8.6%

$50k–$100k 5.4%

$100k–$150k 16.0%

$150k–$200k 12.1%

$200k–$300k 19.1%

$300k–$500k 24.2%

$500k–$1M 9.9%

$1M+ 4.7%

Housing overview

Metric	Value
Median home value	$235,900
Median rent / month	$738
Owner occupied	76.1%
Renter occupied	23.9%
Vacant	25.3%
Single-family detached	65.9%
Large apartment buildings	5.8%
Mobile homes	7.5%
Median rooms	5.8
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	2.8%
2010–2019	4.3%
2000–2009	11.5%
1990–1999	6.3%
1980–1989	8.3%
1970–1979	20.4%
1960–1969	10.9%
1950–1959	11.3%
1940–1949	5.5%
1939 or earlier	18.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	11.2%
2 bedrooms	24.5%
3 bedrooms	34.9%
4 bedrooms	19.8%
5+ bedrooms	7.6%

Vehicles per household

Vehicles	% of households
No vehicle	5.3%
1 vehicle	30.9%
2 vehicles	39.0%
3 or more	24.8%

Heating fuel

Fuel type	%
Utility gas	69.7%
Electricity	21.4%
Propane / LP gas	8.3%
Wood	0.3%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,128	52.0%
Cohabiting couple	253	6.2%
Male householder, no spouse	661	16.2%
Female householder, no spouse	1,048	25.6%
Households with children under 18	853	20.9%
Households with seniors (65+)	1,648	40.3%
Average household size	2.18

Marital status

Status	Male	Female
Never married	29.7%	21.7%
Married	56.8%	52.8%
Separated	0.4%	1.3%
Widowed	2.2%	10.7%
Divorced	10.8%	13.5%

Education

Less than 9th grade 2.3%

Some HS, no diploma 2.7%

HS graduate 28.3%

Some college, no degree 19.6%

Associate's degree 13.3%

Bachelor's degree 23.2%

Graduate / professional 10.6%

Metric	%
HS diploma or higher	95.0%
Bachelor's or higher	33.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	141	7.4%
Kindergarten	137	7.2%
Elementary school	559	29.2%
High school	708	37.0%
College / grad school	371	19.4%

Employment

Industry of employment

Education & healthcare 23.6%

Retail trade 14.4%

Manufacturing 13.3%

Finance & real estate 8.8%

Arts, food & hospitality 7.4%

Agriculture & mining 6.2%

Professional & management 5.8%

Transportation & utilities 5.5%

Wholesale trade 5.1%

Construction 3.1%

Public administration 2.9%

Other services 2.3%

Information 1.5%

Occupation

Category	%
Management, business & arts	41.8%
Service	14.6%
Sales & office	22.3%
Natural resources & construction	4.5%
Production & transportation	16.8%

Employment type

Type	%
Private sector	77.9%
Government	13.2%
Self-employed	8.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.1%
Carpool	5.5%
Public transit	0.2%
Walk	1.3%
Work from home	10.5%
Other means	1.3%
Avg commute (minutes)	20.0

Poverty

All people 6.0%

Under 18 years 3.1%

18 and over 6.6%

Married-couple families 0.7%

Female-led households 6.5%

Income support

Source	% of households
Social Security	40.9%
Retirement income	29.7%
Supplemental Security	6.5%
Cash public assistance	1.4%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	34.7%
High cholesterol	35.0%
Diabetes	10.7%
Heart disease	7.1%
Stroke	3.1%
Asthma	9.1%
Arthritis	26.9%
Kidney disease	3.0%
Pulmonary disease	6.6%
Cancer	8.2%

Behavior / access	%
Smoking	15.3%
Binge drinking	19.7%
No physical activity	23.0%
Less than 7 hrs sleep	30.4%
Depression	17.3%
Fair or poor health	11.8%
Poor mental health	12.3%
Poor physical health	9.2%
No health insurance	8.2%
Visited doctor (checkup)	77.1%
Visited dentist	71.6%
Cholesterol screening	90.7%
Teeth loss	10.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	458	6.2%

Disability	%
Any disability	15.6%
Under 18	3.6%
18–64 years	11.2%
65 and over	33.7%

Health insurance coverage

Type	%
Private insurance	75.8%
Public insurance	42.6%
No insurance	3.7%
Uninsured under 19	5.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,729	95.7%
Spanish	74	0.8%
Other Indo-European	17	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	57	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,850	97.1%
Born in same state	8,742	95.9%
Born in different state	6,674	73.2%
Foreign born	108	1.2%
Naturalized citizen	269	2.9%
Not a US citizen	227	84.4%

Ancestry

Ancestry	Count	%
Polish	1,119	12.3%
Italian	1,076	11.8%
French	899	9.9%
Dutch	260	2.9%

Ancestry	Count	%
Arab	246	2.7%
English	239	2.6%
Irish	8	0.1%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	91.1%

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

Frequently asked questions about ZIP code 50428

What city is ZIP code 50428 in?

ZIP code 50428 is primarily assigned to Clear Lake, Iowa.

What county is ZIP code 50428 in?

ZIP code 50428 falls within Cerro Gordo County, Iowa.

Does ZIP code 50428 have an older population?

26% of residents in ZIP code 50428 are 65 or older, above the national average of ~17%.

Does ZIP code 50428 have a large retiree population?

41% of households in ZIP code 50428 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 50428?

ZIP code 50428 has an estimated population of 9,119 residents, with a density of 78 people per square mile.

What is the median household income in ZIP code 50428?

The median household income in ZIP code 50428 is $69,426, below the national median of ~$75,000.

What timezone is ZIP code 50428 in?

ZIP code 50428 observes the CST timezone.