68045 ZIP Code — Oakland, NE
Burt County, Nebraska
ZIP code 68045 is located in Oakland, Nebraska, within Burt County. It covers approximately 98.45 square miles and serves a population of 2,149 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402/531.
About ZIP code 68045
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 $148,900. Owner-occupancy sits near the national average at 72%.
Median household income is $75,568. 43% 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 22 minutes is near the national average.
Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.
2,149
population
98.45
sq mi land
Standard
ZIP type
Central (CT)
timezone
68045 ZIP code map
Cities in ZIP code 68045
Below are the cities the US Postal Service accepts for ZIP code 68045. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Oakland | Preferred |
Nearby ZIP codes
68019 Craig (6.1 mi)
68038 Lyons (8.6 mi)
68788 West Point (13.5 mi)
68031 Hooper (14.1 mi)
68061 Tekamah (14.3 mi)
68020 Decatur (15.2 mi)
68029 Herman (15.4 mi)
68055 Rosalie (15.5 mi)
68004 Bancroft (15.5 mi)
68057 Scribner (17.3 mi)
68716 Beemer (18.5 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 2,149 |
| Population density | 22 / sq mi |
| State FIPS | 31 |
| County FIPS | 021 |
| Geography | |
|---|---|
| Land area | 98.45 sq mi |
| Water area | 0.44 sq mi |
| Latitude | 41.8362 |
| Longitude | -96.4804 |
| Timezone | Central (CT) |
| Area code | 402/531 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 41.7% | 47.5% | 39.5% |
| $50k – $100k | 38.1% | 33.3% | 33.4% |
| $100k – $200k | 14.3% | 15.6% | 22.0% |
| Over $200k | 6.0% | 3.6% | 5.2% |
Demographics & statistics
2,149
Population
22
People per sq mi
40.6
Median age
$75,568
Median household income
$34,502
Per capita income
$148,900
Median home value
$675
Median monthly rent
72.2%
Home ownership
11.4%
Poverty rate
0.3%
Unemployment
635
Housing units
25.5%
Bachelor's or higher
Age distribution
Male
Female
45
Under 5
47
45
5–9
47
99
10–14
103
112
15–19
116
106
20–24
110
68
25–34
71
105
35–44
109
129
45–54
133
58
55–59
60
78
60–64
82
100
65–74
103
79
75–84
83
30
85+
31
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 545 | 25.4% |
| 18 and over | 1,604 | 74.6% |
| 65 and over | 426 | 19.8% |
| Median age | 40.6 years | |
Race & ethnicity
White
92.9%
Two or more races
2.4%
Hispanic or Latino
1.6%
Other race
1.2%
Black or African American
1.1%
Native Hawaiian / Pacific Islander
0.5%
American Indian / Alaska Native
0.3%
| Group | Count | % |
|---|---|---|
| White | 2,028 | 92.9% |
| Two or more races | 52 | 2.4% |
| Hispanic or Latino | 34 | 1.6% |
| Other race | 27 | 1.2% |
| Black or African American | 24 | 1.1% |
| Native Hawaiian / Pacific Islander | 11 | 0.5% |
| American Indian / Alaska Native | 7 | 0.3% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 41.7% | 47.5% | 39.5% |
| $50k – $100k | 38.1% | 33.3% | 33.4% |
| $100k – $200k | 14.3% | 15.6% | 22.0% |
| Over $200k | 6.0% | 3.6% | 5.2% |
Under $10k
4.3%
$10k–$15k
2.5%
$15k–$25k
6.6%
$25k–$35k
14.8%
$35k–$50k
9.2%
$50k–$75k
12.2%
$75k–$100k
19.1%
$100k–$150k
20.1%
$150k–$200k
5.2%
$200k+
5.9%
| Range | % of households |
|---|---|
| Under $10k | 4.3% |
| $10k–$15k | 2.5% |
| $15k–$25k | 6.6% |
| $25k–$35k | 14.8% |
| $35k–$50k | 9.2% |
| $50k–$75k | 12.2% |
| $75k–$100k | 19.1% |
| $100k–$150k | 20.1% |
| $150k–$200k | 5.2% |
| $200k+ | 5.9% |
| Median income | $75,568 |
Housing
Home values
Under $50k
9.7%
$50k–$100k
21.2%
$100k–$150k
19.6%
$150k–$200k
12.2%
$200k–$300k
23.3%
$300k–$500k
9.3%
$500k–$1M
4.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $148,900 |
| Median rent / month | $675 |
| Owner occupied | 72.2% |
| Renter occupied | 27.8% |
| Vacant | 8.0% |
| Single-family detached | 85.2% |
| Large apartment buildings | 1.1% |
| Mobile homes | 0.0% |
| Median rooms | 6.9 |
| Avg household size (owned) | 3.01 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 1.9% |
| 2000–2009 | 4.2% |
| 1990–1999 | 8.4% |
| 1980–1989 | 5.5% |
| 1970–1979 | 14.3% |
| 1960–1969 | 4.6% |
| 1950–1959 | 8.0% |
| 1940–1949 | 5.7% |
| 1939 or earlier | 47.4% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.2% |
| 1 bedroom | 12.8% |
| 2 bedrooms | 20.5% |
| 3 bedrooms | 38.2% |
| 4 bedrooms | 22.2% |
| 5+ bedrooms | 6.1% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.2% |
| 1 vehicle | 24.2% |
| 2 vehicles | 38.6% |
| 3 or more | 33.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 53.0% |
| Electricity | 27.3% |
| Propane / LP gas | 13.5% |
| Fuel oil | 2.2% |
| Wood | 3.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 433 | 55.2% |
| Cohabiting couple | 51 | 6.5% |
| Male householder, no spouse | 144 | 18.3% |
| Female householder, no spouse | 157 | 20.0% |
| Households with children under 18 | 291 | 37.1% |
| Households with seniors (65+) | 267 | 34.0% |
| Average household size | 2.69 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 34.9% | 31.2% |
| Married | 53.2% | 46.2% |
| Separated | 3.2% | 2.0% |
| Widowed | 2.5% | 14.8% |
| Divorced | 6.2% | 5.7% |
Education
Less than 9th grade
1.4%
Some HS, no diploma
10.4%
HS graduate
25.2%
Some college, no degree
22.4%
Associate's degree
15.0%
Bachelor's degree
20.6%
Graduate / professional
4.9%
| Metric | % |
|---|---|
| HS diploma or higher | 88.2% |
| Bachelor's or higher | 25.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 22 | 3.4% |
| Kindergarten | 13 | 2.0% |
| Elementary school | 237 | 36.5% |
| High school | 184 | 28.4% |
| College / grad school | 193 | 29.7% |
Employment
Industry of employment
Education & healthcare
20.6%
Construction
13.7%
Retail trade
12.9%
Arts, food & hospitality
10.5%
Agriculture & mining
8.3%
Professional & management
6.9%
Finance & real estate
6.6%
Transportation & utilities
6.0%
Other services
4.9%
Manufacturing
4.2%
Wholesale trade
2.5%
Public administration
1.8%
Information
1.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 29.2% |
| Service | 18.9% |
| Sales & office | 19.6% |
| Natural resources & construction | 23.2% |
| Production & transportation | 9.2% |
Employment type
| Type | % |
|---|---|
| Private sector | 85.0% |
| Government | 8.4% |
| Self-employed | 6.1% |
| Unpaid family workers | 0.4% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.1% |
| Carpool | 10.2% |
| Public transit | 0.3% |
| Walk | 3.6% |
| Work from home | 5.7% |
| Other means | 1.1% |
| Avg commute (minutes) | 21.5 |
Poverty
All people
11.4%
Under 18 years
13.9%
18 and over
10.5%
Married-couple families
0.0%
Female-led households
67.6%
Income support
| Source | % of households |
|---|---|
| Social Security | 42.9% |
| Retirement income | 26.5% |
| Supplemental Security | 5.6% |
| Cash public assistance | 1.1% |
| Food stamps / SNAP | 6.5% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 34.4% |
| High blood pressure | 38.8% |
| High cholesterol | 36.7% |
| Diabetes | 11.8% |
| Heart disease | 8.4% |
| Stroke | 3.8% |
| Asthma | 8.4% |
| Arthritis | 31.4% |
| Kidney disease | 3.5% |
| Pulmonary disease | 7.4% |
| Cancer | 9.1% |
| Behavior / access | % |
|---|---|
| Smoking | 16.8% |
| Binge drinking | 18.7% |
| No physical activity | 24.9% |
| Less than 7 hrs sleep | 28.6% |
| Depression | 15.9% |
| Fair or poor health | 13.4% |
| Poor mental health | 10.8% |
| Poor physical health | 10.1% |
| No health insurance | 13.1% |
| Visited doctor (checkup) | 72.7% |
| Visited dentist | 61.7% |
| Cholesterol screening | 90.1% |
| Teeth loss | 13.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 168 | 10.5% |
| Disability | % |
|---|---|
| Any disability | 20.2% |
| Under 18 | 8.1% |
| 18–64 years | 13.4% |
| 65 and over | 54.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 70.5% |
| Public insurance | 34.3% |
| No insurance | 7.9% |
| Uninsured under 19 | 0.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 2,057 | 95.7% |
| 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) | 2,144 | 99.8% |
| Born in same state | 2,135 | 99.3% |
| Born in different state | 1,631 | 75.9% |
| Foreign born | 9 | 0.4% |
| Naturalized citizen | 5 | 0.2% |
| Not a US citizen | 5 | 100.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 380 | 17.7% |
| Italian | 137 | 6.4% |
| Arab | 72 | 3.4% |
| Dutch | 46 | 2.1% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 27 | 1.3% |
| English | 14 | 0.7% |
| Irish | 3 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 36.5% |
| Internet access | 93.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 68045
What city is ZIP code 68045 in?
ZIP code 68045 is primarily assigned to Oakland, Nebraska.
What county is ZIP code 68045 in?
ZIP code 68045 falls within Burt County, Nebraska.
Does ZIP code 68045 have a large retiree population?
43% of households in ZIP code 68045 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 68045 have a large veteran population?
11% of civilians in ZIP code 68045 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 68045?
The median home value in ZIP code 68045 is $148,900.
What is the population of ZIP code 68045?
ZIP code 68045 has an estimated population of 2,149 residents, with a density of 22 people per square mile.
What timezone is ZIP code 68045 in?
ZIP code 68045 observes the CST timezone.