68405 ZIP Code — Milford, NE
Seward County, Nebraska
ZIP code 68405 is located in Milford, Nebraska, within Seward County. It covers approximately 79.39 square miles and serves a population of 3,567 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.
About ZIP code 68405
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 $230,000. Owner-occupancy sits near the national average at 68%.
Median household income is $78,313. The poverty rate of 7% is below the national average. 33% 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 21 minutes is near the national average.
Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.
3,567
population
79.39
sq mi land
Standard
ZIP type
Central (CT)
timezone
68405 ZIP code map
Cities in ZIP code 68405
Below are the cities the US Postal Service accepts for ZIP code 68405. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Milford | Acceptable |
| Milford | Preferred |
Nearby ZIP codes
68423 Pleasant Dale (7.6 mi)
68434 Seward (8.7 mi)
68313 Beaver Crossing (10 mi)
68343 Dorchester (10.1 mi)
68532 Lincoln (12 mi)
68339 Denton (12.9 mi)
68333 Crete (12.9 mi)
68360 Garland (13.5 mi)
68359 Friend (13.5 mi)
68528 Lincoln (14.5 mi)
68456 Utica (14.9 mi)
68524 Lincoln (15.1 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 3,567 |
| Population density | 45 / sq mi |
| State FIPS | 31 |
| County FIPS | 159 |
| Geography | |
|---|---|
| Land area | 79.39 sq mi |
| Water area | 0.83 sq mi |
| Latitude | 40.7778 |
| Longitude | -97.0825 |
| Timezone | Central (CT) |
| Area code | 402 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 38.0% | 33.2% | 39.5% |
| $50k – $100k | 31.3% | 36.8% | 33.4% |
| $100k – $200k | 26.0% | 25.9% | 22.0% |
| Over $200k | 4.8% | 4.1% | 5.2% |
Demographics & statistics
3,567
Population
45
People per sq mi
35.2
Median age
$78,313
Median household income
$34,667
Per capita income
$230,000
Median home value
$897
Median monthly rent
67.8%
Home ownership
7.0%
Poverty rate
2.9%
Unemployment
997
Housing units
26.2%
Bachelor's or higher
Age distribution
Male
Female
115
Under 5
98
144
5–9
124
129
10–14
111
188
15–19
161
183
20–24
158
192
25–34
165
225
35–44
193
157
45–54
135
135
55–59
116
160
60–64
138
160
65–74
137
94
75–84
81
37
85+
31
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 848 | 23.8% |
| 18 and over | 2,719 | 76.2% |
| 65 and over | 540 | 15.1% |
| Median age | 35.2 years | |
Race & ethnicity
White
94%
Two or more races
2.8%
Black or African American
1.3%
Hispanic or Latino
1%
Native Hawaiian / Pacific Islander
0.4%
Other race
0.2%
American Indian / Alaska Native
0.1%
Asian
0.1%
| Group | Count | % |
|---|---|---|
| White | 3,388 | 94% |
| Two or more races | 102 | 2.8% |
| Black or African American | 46 | 1.3% |
| Hispanic or Latino | 36 | 1% |
| Native Hawaiian / Pacific Islander | 16 | 0.4% |
| Other race | 6 | 0.2% |
| American Indian / Alaska Native | 5 | 0.1% |
| Asian | 4 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 38.0% | 33.2% | 39.5% |
| $50k – $100k | 31.3% | 36.8% | 33.4% |
| $100k – $200k | 26.0% | 25.9% | 22.0% |
| Over $200k | 4.8% | 4.1% | 5.2% |
Under $10k
1.9%
$10k–$15k
2.4%
$15k–$25k
6.1%
$25k–$35k
6.8%
$35k–$50k
10.5%
$50k–$75k
18.1%
$75k–$100k
14.8%
$100k–$150k
25.7%
$150k–$200k
7.3%
$200k+
6.3%
| Range | % of households |
|---|---|
| Under $10k | 1.9% |
| $10k–$15k | 2.4% |
| $15k–$25k | 6.1% |
| $25k–$35k | 6.8% |
| $35k–$50k | 10.5% |
| $50k–$75k | 18.1% |
| $75k–$100k | 14.8% |
| $100k–$150k | 25.7% |
| $150k–$200k | 7.3% |
| $200k+ | 6.3% |
| Median income | $78,313 |
Housing
Home values
Under $50k
6.5%
$50k–$100k
2.2%
$100k–$150k
8.1%
$150k–$200k
22.4%
$200k–$300k
33.5%
$300k–$500k
19.0%
$500k–$1M
6.4%
$1M+
2.0%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $230,000 |
| Median rent / month | $897 |
| Owner occupied | 67.8% |
| Renter occupied | 32.2% |
| Vacant | 9.5% |
| Single-family detached | 79.0% |
| Large apartment buildings | 3.0% |
| Mobile homes | 2.3% |
| Median rooms | 6.7 |
| Avg household size (owned) | 2.75 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.3% |
| 2010–2019 | 3.7% |
| 2000–2009 | 5.8% |
| 1990–1999 | 10.4% |
| 1980–1989 | 7.5% |
| 1970–1979 | 18.1% |
| 1960–1969 | 11.9% |
| 1950–1959 | 10.2% |
| 1940–1949 | 8.0% |
| 1939 or earlier | 24.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.3% |
| 1 bedroom | 7.0% |
| 2 bedrooms | 23.2% |
| 3 bedrooms | 34.6% |
| 4 bedrooms | 24.7% |
| 5+ bedrooms | 8.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.5% |
| 1 vehicle | 20.7% |
| 2 vehicles | 32.0% |
| 3 or more | 43.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 54.0% |
| Electricity | 32.6% |
| Propane / LP gas | 9.5% |
| Fuel oil | 2.7% |
| Wood | 1.0% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 801 | 62.9% |
| Cohabiting couple | 44 | 3.5% |
| Male householder, no spouse | 183 | 14.4% |
| Female householder, no spouse | 245 | 19.2% |
| Households with children under 18 | 435 | 34.2% |
| Households with seniors (65+) | 354 | 27.8% |
| Average household size | 2.55 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 36.3% | 19.7% |
| Married | 53.8% | 61.2% |
| Separated | 0.4% | 1.1% |
| Widowed | 3.6% | 9.2% |
| Divorced | 5.9% | 8.8% |
Education
Less than 9th grade
1.9%
Some HS, no diploma
5.6%
HS graduate
28.8%
Some college, no degree
19.1%
Associate's degree
18.5%
Bachelor's degree
20.4%
Graduate / professional
5.8%
| Metric | % |
|---|---|
| HS diploma or higher | 92.6% |
| Bachelor's or higher | 26.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 50 | 4.4% |
| Kindergarten | 38 | 3.4% |
| Elementary school | 435 | 38.4% |
| High school | 163 | 14.4% |
| College / grad school | 447 | 39.5% |
Employment
Industry of employment
Education & healthcare
23.5%
Manufacturing
12.3%
Construction
9.1%
Transportation & utilities
8.9%
Professional & management
8.0%
Agriculture & mining
7.2%
Retail trade
7.2%
Finance & real estate
6.1%
Other services
5.8%
Arts, food & hospitality
5.7%
Public administration
4.1%
Information
1.4%
Wholesale trade
0.7%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 38.4% |
| Service | 10.4% |
| Sales & office | 17.9% |
| Natural resources & construction | 18.9% |
| Production & transportation | 14.4% |
Employment type
| Type | % |
|---|---|
| Private sector | 75.6% |
| Government | 17.7% |
| Self-employed | 5.6% |
| Unpaid family workers | 1.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 82.0% |
| Carpool | 10.8% |
| Public transit | 0.0% |
| Walk | 2.1% |
| Work from home | 3.8% |
| Other means | 1.3% |
| Avg commute (minutes) | 21.4 |
Poverty
All people
7.0%
Under 18 years
6.2%
18 and over
7.3%
Married-couple families
0.5%
Female-led households
12.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 33.4% |
| Retirement income | 15.7% |
| Supplemental Security | 3.4% |
| Cash public assistance | 1.1% |
| Food stamps / SNAP | 2.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 35.1% |
| High blood pressure | 30.5% |
| High cholesterol | 29.6% |
| Diabetes | 9.0% |
| Heart disease | 6.2% |
| Stroke | 2.9% |
| Asthma | 8.3% |
| Arthritis | 23.0% |
| Kidney disease | 2.7% |
| Pulmonary disease | 5.9% |
| Cancer | 6.7% |
| Behavior / access | % |
|---|---|
| Smoking | 16.1% |
| Binge drinking | 21.7% |
| No physical activity | 21.8% |
| Less than 7 hrs sleep | 27.8% |
| Depression | 17.8% |
| Fair or poor health | 11.5% |
| Poor mental health | 12.0% |
| Poor physical health | 8.6% |
| No health insurance | 13.3% |
| Visited doctor (checkup) | 67.0% |
| Visited dentist | 69.8% |
| Cholesterol screening | 84.9% |
| Teeth loss | 11.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 204 | 7.6% |
| Disability | % |
|---|---|
| Any disability | 9.3% |
| Under 18 | 0.7% |
| 18–64 years | 9.5% |
| 65 and over | 23.7% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 86.4% |
| Public insurance | 22.3% |
| No insurance | 5.2% |
| Uninsured under 19 | 5.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 3,354 | 94.0% |
| Spanish | 4 | 0.1% |
| Other Indo-European | 4 | 0.1% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 3,519 | 98.7% |
| Born in same state | 3,511 | 98.4% |
| Born in different state | 2,752 | 77.2% |
| Foreign born | 8 | 0.2% |
| Naturalized citizen | 48 | 1.3% |
| Not a US citizen | 36 | 75.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 452 | 12.7% |
| Arab | 289 | 8.1% |
| French | 232 | 6.5% |
| Dutch | 46 | 1.3% |
| Ancestry | Count | % |
|---|---|---|
| English | 45 | 1.3% |
| German | 4 | 0.1% |
| Polish | 4 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 35.7% |
| Internet access | 95.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 68405
What city is ZIP code 68405 in?
ZIP code 68405 is primarily assigned to Milford, Nebraska.
What county is ZIP code 68405 in?
ZIP code 68405 falls within Seward County, Nebraska.
What is the population of ZIP code 68405?
ZIP code 68405 has an estimated population of 3,567 residents, with a density of 45 people per square mile.
What is the typical home value in ZIP code 68405?
The median home value in ZIP code 68405 is $230,000.
What is the median household income in ZIP code 68405?
The median household income in ZIP code 68405 is $78,313, above the national median of ~$75,000.
What timezone is ZIP code 68405 in?
ZIP code 68405 observes the CST timezone.