51351 ZIP Code — Milford, IA

Dickinson County, Iowa

ZIP code 51351 is located in Milford, Iowa, within Dickinson County. It covers approximately 108.00 square miles and serves a population of 4,812 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 712.

About ZIP code 51351

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $244,700. Owner-occupancy is high at 78%, well above the national average.

The gap between median ($67,250) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 42% 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 17 minutes is near the national average.

Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.

Overall, ZIP code 51351 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,812

population

108.00

sq mi land

Standard

ZIP type

Central (CT)

timezone

51351 ZIP code map

Cities in ZIP code 51351

Below are the cities the US Postal Service accepts for ZIP code 51351. Using any city not on this list may result in mail delivery delays.

City	Status
Milford	Acceptable
Milford	Preferred

Nearby ZIP codes

51331 Arnolds Park (4.7 mi) 51355 Okoboji (6.1 mi) 51347 Lake Park (8.3 mi) 51360 Spirit Lake (8.8 mi) 51338 Everly (11.1 mi) 51364 Terril (12.4 mi) 51301 Spencer (13.1 mi) 51345 Harris (13.1 mi) 51346 Hartley (16 mi) 51333 Dickens (16.9 mi) 51357 Royal (18.2 mi) 51354 Ocheyedan (18.3 mi)

Demographics updated 05/2026

Population
Total population	4,812
Population density	45 / sq mi
State FIPS	19
County FIPS	059

Geography
Land area	108.00 sq mi
Water area	3.18 sq mi
Latitude	43.3209
Longitude	-95.2104
Timezone	Central (CT)
Area code	712

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.3%	39.9%	40.1%
$50k – $100k	35.4%	34.8%	33.4%
$100k – $200k	18.2%	19.6%	21.5%
Over $200k	9.1%	5.7%	5.0%

Demographics & statistics

4,812

Population

People per sq mi

46.4

Median age

$67,250

Median household income

$43,557

Per capita income

$244,700

Median home value

$820

Median monthly rent

77.7%

Home ownership

5.1%

Poverty rate

2.4%

Unemployment

2,499

Housing units

31.4%

Bachelor's or higher

Age distribution

Male Female

106

Under 5

102

131

5–9

126

176

10–14

169

184

15–19

177

20–24

253

25–34

243

242

35–44

232

309

45–54

298

173

55–59

166

168

60–64

161

363

65–74

349

178

75–84

171

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,075	22.3%
18 and over	3,737	77.7%
65 and over	1,205	25.0%
Median age	46.4 years

Race & ethnicity

White 91.9%

Hispanic or Latino 3.6%

Two or more races 3.3%

Other race 1.1%

Asian 0.1%

Group	Count	%
White	4,586	91.9%
Hispanic or Latino	178	3.6%
Two or more races	165	3.3%
Other race	57	1.1%
Asian	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.3%	39.9%	40.1%
$50k – $100k	35.4%	34.8%	33.4%
$100k – $200k	18.2%	19.6%	21.5%
Over $200k	9.1%	5.7%	5.0%

Under $10k 1.1%

$10k–$15k 1.6%

$15k–$25k 11.2%

$25k–$35k 7.9%

$35k–$50k 11.2%

$50k–$75k 20.4%

$75k–$100k 9.5%

$100k–$150k 18.9%

$150k–$200k 8.0%

$200k+ 10.2%

Range	% of households
Under $10k	1.1%
$10k–$15k	1.6%
$15k–$25k	11.2%
$25k–$35k	7.9%
$35k–$50k	11.2%
$50k–$75k	20.4%
$75k–$100k	9.5%
$100k–$150k	18.9%
$150k–$200k	8.0%
$200k+	10.2%
Median income	$67,250

Housing

Home values

Under $50k 5.8%

$50k–$100k 9.1%

$100k–$150k 10.5%

$150k–$200k 12.8%

$200k–$300k 25.3%

$300k–$500k 20.8%

$500k–$1M 12.2%

$1M+ 3.5%

Housing overview

Metric	Value
Median home value	$244,700
Median rent / month	$820
Owner occupied	77.7%
Renter occupied	22.3%
Vacant	29.4%
Single-family detached	75.5%
Large apartment buildings	3.1%
Mobile homes	6.6%
Median rooms	6.2
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.3%
2010–2019	11.5%
2000–2009	12.1%
1990–1999	10.9%
1980–1989	9.8%
1970–1979	19.6%
1960–1969	7.5%
1950–1959	7.1%
1940–1949	2.5%
1939 or earlier	18.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	7.2%
2 bedrooms	24.7%
3 bedrooms	34.0%
4 bedrooms	19.5%
5+ bedrooms	14.2%

Vehicles per household

Vehicles	% of households
No vehicle	2.7%
1 vehicle	28.4%
2 vehicles	40.8%
3 or more	28.1%

Heating fuel

Fuel type	%
Utility gas	53.6%
Electricity	33.0%
Propane / LP gas	11.4%
Wood	1.1%

Households & families

Household type	Count	%
Married-couple family	1,121	53.5%
Cohabiting couple	117	5.6%
Male householder, no spouse	449	21.4%
Female householder, no spouse	407	19.4%
Households with children under 18	559	26.7%
Households with seniors (65+)	784	37.4%
Average household size	2.27

Marital status

Status	Male	Female
Never married	28.9%	19.2%
Married	54.4%	56.7%
Separated	1.7%	8.3%
Widowed	3.5%	8.2%
Divorced	11.5%	7.6%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.1%

HS graduate 26.2%

Some college, no degree 23.0%

Associate's degree 15.6%

Bachelor's degree 23.7%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	96.2%
Bachelor's or higher	31.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	37	3.5%
Kindergarten	82	7.8%
Elementary school	506	48.2%
High school	333	31.7%
College / grad school	92	8.8%

Employment

Industry of employment

Education & healthcare 27.1%

Manufacturing 12.1%

Retail trade 11.8%

Arts, food & hospitality 9.5%

Professional & management 7.2%

Construction 7.1%

Finance & real estate 5.8%

Transportation & utilities 5.1%

Wholesale trade 5.0%

Other services 4.5%

Public administration 2.6%

Agriculture & mining 1.5%

Information 0.8%

Occupation

Category	%
Management, business & arts	31.4%
Service	19.3%
Sales & office	26.5%
Natural resources & construction	6.6%
Production & transportation	16.4%

Employment type

Type	%
Private sector	76.5%
Government	8.5%
Self-employed	14.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	78.0%
Carpool	9.8%
Public transit	0.0%
Walk	1.9%
Work from home	6.0%
Other means	4.2%
Avg commute (minutes)	16.6

Poverty

All people 5.1%

Under 18 years 6.5%

18 and over 4.7%

Married-couple families 0.2%

Female-led households 15.4%

Income support

Source	% of households
Social Security	42.2%
Retirement income	26.1%
Supplemental Security	3.0%
Cash public assistance	4.0%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	36.5%
High blood pressure	36.3%
High cholesterol	32.9%
Diabetes	10.6%
Heart disease	7.4%
Stroke	3.4%
Asthma	9.1%
Arthritis	26.9%
Kidney disease	3.2%
Pulmonary disease	7.2%
Cancer	8.1%

Behavior / access	%
Smoking	17.0%
Binge drinking	20.5%
No physical activity	24.0%
Less than 7 hrs sleep	28.6%
Depression	17.0%
Fair or poor health	12.9%
Poor mental health	12.7%
Poor physical health	9.8%
No health insurance	8.8%
Visited doctor (checkup)	76.1%
Visited dentist	67.8%
Cholesterol screening	89.6%
Teeth loss	12.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	269	7.2%

Disability	%
Any disability	14.8%
Under 18	6.6%
18–64 years	11.9%
65 and over	28.6%

Health insurance coverage

Type	%
Private insurance	64.4%
Public insurance	44.3%
No insurance	5.7%
Uninsured under 19	4.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,604	95.7%
Spanish	31	0.7%
Other Indo-European	23	0.5%
Asian & Pacific Islander	8	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,734	98.4%
Born in same state	4,734	98.4%
Born in different state	3,436	71.4%
Foreign born	0	0.0%
Naturalized citizen	78	1.6%
Not a US citizen	35	44.9%

Ancestry

Ancestry	Count	%
Italian	635	13.2%
French	493	10.2%
Polish	417	8.7%
Arab	302	6.3%

Ancestry	Count	%
English	151	3.1%
Dutch	87	1.8%
German	12	0.2%

Technology access

Metric	% of households
Computer access	43.5%
Internet access	93.2%

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

Frequently asked questions about ZIP code 51351

What city is ZIP code 51351 in?

ZIP code 51351 is primarily assigned to Milford, Iowa.

What county is ZIP code 51351 in?

ZIP code 51351 falls within Dickinson County, Iowa.

Does ZIP code 51351 have a large retiree population?

42% of households in ZIP code 51351 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 51351?

ZIP code 51351 has an estimated population of 4,812 residents, with a density of 45 people per square mile.

What is the median household income in ZIP code 51351?

The median household income in ZIP code 51351 is $67,250, below the national median of ~$75,000.

What is the typical home value in ZIP code 51351?

The median home value in ZIP code 51351 is $244,700.

What timezone is ZIP code 51351 in?

ZIP code 51351 observes the CST timezone.