68409 ZIP Code — Murray, NE

Cass County, Nebraska

ZIP code 68409 is located in Murray, Nebraska, within Cass County. It covers approximately 29.58 square miles and serves a population of 719 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68409

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 $194,300. Owner-occupancy is high at 86%, well above the national average.

Median household income is $76,250. The poverty rate of 7% 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 31 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%; and disability rates above the national average at 24%.

Overall, ZIP code 68409 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

719

population

29.58

sq mi land

Standard

ZIP type

Central (CT)

timezone

68409 ZIP code map

Cities in ZIP code 68409

Below are the cities the US Postal Service accepts for ZIP code 68409. Using any city not on this list may result in mail delivery delays.

City	Status
Murray	Preferred

Nearby ZIP codes

68048 Plattsmouth (3.8 mi) 68413 Nehawka (5.9 mi) 68455 Union (8.3 mi) 68463 Weeping Water (9.8 mi) 51561 Pacific Junction (10.2 mi) 68037 Louisville (11.7 mi) 68307 Avoca (12.5 mi) 51654 Thurman (12.9 mi) 68123 Bellevue (13.5 mi) 68133 Papillion (13.8 mi) 68417 Otoe (14 mi) 68059 Springfield (14.3 mi)

Demographics updated 05/2026

Population
Total population	719
Population density	24 / sq mi
State FIPS	31
County FIPS	025

Geography
Land area	29.58 sq mi
Water area	0.01 sq mi
Latitude	40.9149
Longitude	-95.9566
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	28.5%	32.5%	39.5%
$50k – $100k	31.6%	34.0%	33.4%
$100k – $200k	38.1%	27.8%	22.0%
Over $200k	1.7%	5.7%	5.2%

Demographics & statistics

719

Population

People per sq mi

43.6

Median age

$76,250

Median household income

$38,084

Per capita income

$194,300

Median home value

$1,156

Median monthly rent

86.3%

Home ownership

6.5%

Poverty rate

4.2%

Unemployment

259

Housing units

30.1%

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	199	27.7%
18 and over	520	72.3%
65 and over	173	24.1%
Median age	43.6 years

Race & ethnicity

White 92.8%

Two or more races 4.1%

Hispanic or Latino 1.9%

Other race 0.7%

Native Hawaiian / Pacific Islander 0.5%

Group	Count	%
White	680	92.8%
Two or more races	30	4.1%
Hispanic or Latino	14	1.9%
Other race	5	0.7%
Native Hawaiian / Pacific Islander	4	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.5%	32.5%	39.5%
$50k – $100k	31.6%	34.0%	33.4%
$100k – $200k	38.1%	27.8%	22.0%
Over $200k	1.7%	5.7%	5.2%

Under $10k 1.0%

$10k–$15k 0.3%

$15k–$25k 13.3%

$25k–$35k 3.8%

$35k–$50k 9.9%

$50k–$75k 18.8%

$75k–$100k 11.6%

$100k–$150k 24.6%

$150k–$200k 9.2%

$200k+ 7.5%

Range	% of households
Under $10k	1.0%
$10k–$15k	0.3%
$15k–$25k	13.3%
$25k–$35k	3.8%
$35k–$50k	9.9%
$50k–$75k	18.8%
$75k–$100k	11.6%
$100k–$150k	24.6%
$150k–$200k	9.2%
$200k+	7.5%
Median income	$76,250

Housing

Home values

Under $50k 4.3%

$50k–$100k 5.1%

$100k–$150k 20.2%

$150k–$200k 23.3%

$200k–$300k 18.6%

$300k–$500k 16.6%

$500k–$1M 11.5%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$194,300
Median rent / month	$1,156
Owner occupied	86.3%
Renter occupied	13.7%
Vacant	2.0%
Single-family detached	95.7%
Large apartment buildings	0.0%
Mobile homes	3.7%
Median rooms	7.1
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.0%
2010–2019	4.7%
2000–2009	8.4%
1990–1999	3.3%
1980–1989	5.7%
1970–1979	30.1%
1960–1969	8.7%
1950–1959	6.7%
1940–1949	2.0%
1939 or earlier	30.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.3%
2 bedrooms	17.4%
3 bedrooms	46.2%
4 bedrooms	29.4%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	21.8%
2 vehicles	41.0%
3 or more	33.4%

Heating fuel

Fuel type	%
Utility gas	56.7%
Electricity	18.8%
Propane / LP gas	18.8%
Wood	1.4%

Households & families

Household type	Count	%
Married-couple family	171	58.4%
Cohabiting couple	10	3.4%
Male householder, no spouse	40	13.7%
Female householder, no spouse	72	24.6%
Households with children under 18	91	31.1%
Households with seniors (65+)	125	42.7%
Average household size	2.45

Marital status

Status	Male	Female
Never married	30.9%	16.6%
Married	57.9%	61.4%
Separated	0.0%	0.3%
Widowed	4.2%	10.2%
Divorced	7.1%	11.5%

Education

Less than 9th grade 1.2%

Some HS, no diploma 6.7%

HS graduate 31.3%

Some college, no degree 24.4%

Associate's degree 6.3%

Bachelor's degree 18.5%

Graduate / professional 11.6%

Metric	%
HS diploma or higher	92.1%
Bachelor's or higher	30.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	9	4.4%
Kindergarten	11	5.4%
Elementary school	60	29.4%
High school	89	43.6%
College / grad school	35	17.2%

Employment

Industry of employment

Education & healthcare 22.8%

Finance & real estate 12.3%

Public administration 11.7%

Construction 7.9%

Retail trade 7.9%

Agriculture & mining 6.6%

Manufacturing 6.6%

Professional & management 6.0%

Transportation & utilities 5.7%

Arts, food & hospitality 4.7%

Other services 4.4%

Wholesale trade 2.8%

Information 0.3%

Occupation

Category	%
Management, business & arts	39.6%
Service	18.4%
Sales & office	23.4%
Natural resources & construction	10.1%
Production & transportation	8.5%

Employment type

Type	%
Private sector	76.9%
Government	20.9%
Self-employed	2.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	90.8%
Carpool	4.8%
Public transit	0.0%
Walk	1.3%
Work from home	3.2%
Other means	0.0%
Avg commute (minutes)	31.3

Poverty

All people 6.5%

Under 18 years 6.3%

18 and over 6.5%

Married-couple families 3.5%

Female-led households 56.3%

Income support

Source	% of households
Social Security	41.0%
Retirement income	29.4%
Supplemental Security	1.7%
Cash public assistance	0.7%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	37.4%
High blood pressure	33.3%
High cholesterol	33.9%
Diabetes	9.6%
Heart disease	6.0%
Stroke	2.6%
Asthma	7.9%
Arthritis	26.4%
Kidney disease	2.6%
Pulmonary disease	5.3%
Cancer	7.7%

Behavior / access	%
Smoking	14.7%
Binge drinking	21.2%
No physical activity	22.8%
Less than 7 hrs sleep	28.4%
Depression	16.0%
Fair or poor health	10.0%
Poor mental health	10.7%
Poor physical health	8.0%
No health insurance	11.4%
Visited doctor (checkup)	70.9%
Visited dentist	69.7%
Cholesterol screening	89.6%
Teeth loss	9.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	69	13.3%

Disability	%
Any disability	23.8%
Under 18	11.6%
18–64 years	14.7%
65 and over	56.1%

Health insurance coverage

Type	%
Private insurance	84.7%
Public insurance	33.4%
No insurance	0.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	687	95.5%
Spanish	3	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	715	99.4%
Born in same state	711	98.9%
Born in different state	491	68.3%
Foreign born	4	0.6%
Naturalized citizen	4	0.6%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	104	14.5%
French	79	11%
Arab	50	7%
Dutch	32	4.5%

Ancestry	Count	%
English	11	1.5%
Polish	9	1.3%
German	4	0.6%

Technology access

Metric	% of households
Computer access	40.8%
Internet access	94.2%

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

Frequently asked questions about ZIP code 68409

What city is ZIP code 68409 in?

ZIP code 68409 is primarily assigned to Murray, Nebraska.

What county is ZIP code 68409 in?

ZIP code 68409 falls within Cass County, Nebraska.

Is ZIP code 68409 mostly owner-occupied?

86% of occupied units in ZIP code 68409 are owner-occupied, well above the national average.

Does ZIP code 68409 have a large retiree population?

41% of households in ZIP code 68409 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 68409 have a large veteran population?

13% of civilians in ZIP code 68409 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 68409?

The median home value in ZIP code 68409 is $194,300.

What timezone is ZIP code 68409 in?

ZIP code 68409 observes the CST timezone.