68651 ZIP Code — Osceola, NE

Polk County, Nebraska

ZIP code 68651 is located in Osceola, Nebraska, within Polk County. It covers approximately 121.14 square miles and serves a population of 1,224 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68651

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 $150,000. Owner-occupancy is high at 76%, well above the national average.

Median household income is $73,750. 37% 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.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 68651 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,224

population

121.14

sq mi land

Standard

ZIP type

Central (CT)

timezone

68651 ZIP code map

Cities in ZIP code 68651

Below are the cities the US Postal Service accepts for ZIP code 68651. Using any city not on this list may result in mail delivery delays.

City	Status
Osceola	Preferred

Nearby ZIP codes

68663 Silver Creek (6.9 mi) 68662 Shelby (7.6 mi) 68654 Polk (11.1 mi) 68666 Stromsburg (11.4 mi) 68628 Clarks (15.1 mi) 68658 Rising City (15.5 mi) 68647 Monroe (16.6 mi) 68316 Benedict (17.1 mi) 68601 Columbus (17.2 mi) 68667 Surprise (17.9 mi) 68624 Bellwood (18.7 mi) 68640 Genoa (18.8 mi)

Demographics updated 05/2026

Population
Total population	1,224
Population density	10 / sq mi
State FIPS	31
County FIPS	143

Geography
Land area	121.14 sq mi
Water area	0.13 sq mi
Latitude	41.2568
Longitude	-97.5746
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	36.1%	34.0%	39.5%
$50k – $100k	41.0%	44.3%	33.4%
$100k – $200k	20.4%	19.6%	22.0%
Over $200k	2.4%	2.1%	5.2%

Demographics & statistics

1,224

Population

People per sq mi

42.0

Median age

$73,750

Median household income

$34,142

Per capita income

$150,000

Median home value

$625

Median monthly rent

75.7%

Home ownership

11.5%

Poverty rate

3.0%

Unemployment

440

Housing units

19.0%

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	263	21.5%
18 and over	961	78.5%
65 and over	269	22.0%
Median age	42.0 years

Race & ethnicity

White 83.9%

Hispanic or Latino 6.1%

Other race 5.4%

Two or more races 4%

American Indian / Alaska Native 0.6%

Black or African American 0.1%

Group	Count	%
White	1,093	83.9%
Hispanic or Latino	79	6.1%
Other race	70	5.4%
Two or more races	52	4%
American Indian / Alaska Native	8	0.6%
Black or African American	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.1%	34.0%	39.5%
$50k – $100k	41.0%	44.3%	33.4%
$100k – $200k	20.4%	19.6%	22.0%
Over $200k	2.4%	2.1%	5.2%

Under $10k 3.4%

$10k–$15k 4.5%

$15k–$25k 4.9%

$25k–$35k 9.9%

$35k–$50k 13.1%

$50k–$75k 15.5%

$75k–$100k 15.5%

$100k–$150k 24.5%

$150k–$200k 2.6%

$200k+ 6.0%

Range	% of households
Under $10k	3.4%
$10k–$15k	4.5%
$15k–$25k	4.9%
$25k–$35k	9.9%
$35k–$50k	13.1%
$50k–$75k	15.5%
$75k–$100k	15.5%
$100k–$150k	24.5%
$150k–$200k	2.6%
$200k+	6.0%
Median income	$73,750

Housing

Home values

Under $50k 8.8%

$50k–$100k 21.0%

$100k–$150k 20.2%

$150k–$200k 18.8%

$200k–$300k 24.4%

$300k–$500k 4.8%

$500k–$1M 0.3%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$150,000
Median rent / month	$625
Owner occupied	75.7%
Renter occupied	24.3%
Vacant	15.9%
Single-family detached	89.0%
Large apartment buildings	0.4%
Mobile homes	2.2%
Median rooms	7.0
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.0%
2010–2019	2.7%
2000–2009	4.2%
1990–1999	9.8%
1980–1989	7.4%
1970–1979	17.9%
1960–1969	9.8%
1950–1959	5.1%
1940–1949	6.7%
1939 or earlier	36.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	5.6%
2 bedrooms	22.8%
3 bedrooms	31.5%
4 bedrooms	32.4%
5+ bedrooms	5.6%

Vehicles per household

Vehicles	% of households
No vehicle	6.2%
1 vehicle	19.8%
2 vehicles	32.5%
3 or more	41.5%

Heating fuel

Fuel type	%
Utility gas	45.2%
Electricity	28.8%
Propane / LP gas	22.6%
Wood	0.6%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	250	53.8%
Cohabiting couple	29	6.2%
Male householder, no spouse	83	17.8%
Female householder, no spouse	103	22.2%
Households with children under 18	134	28.8%
Households with seniors (65+)	169	36.3%
Average household size	2.54

Marital status

Status	Male	Female
Never married	36.7%	20.6%
Married	48.8%	56.9%
Separated	0.0%	0.0%
Widowed	2.6%	12.7%
Divorced	11.9%	9.8%

Education

Less than 9th grade 1.4%

Some HS, no diploma 2.4%

HS graduate 39.3%

Some college, no degree 26.0%

Associate's degree 11.9%

Bachelor's degree 14.7%

Graduate / professional 4.3%

Metric	%
HS diploma or higher	96.2%
Bachelor's or higher	19.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	8.9%
Kindergarten	2	0.7%
Elementary school	137	48.6%
High school	77	27.3%
College / grad school	41	14.5%

Employment

Industry of employment

Education & healthcare 26.4%

Agriculture & mining 19.2%

Manufacturing 13.0%

Transportation & utilities 7.8%

Retail trade 7.7%

Construction 6.1%

Other services 5.8%

Public administration 4.8%

Arts, food & hospitality 3.3%

Professional & management 2.2%

Finance & real estate 1.7%

Information 1.1%

Wholesale trade 0.9%

Occupation

Category	%
Management, business & arts	39.4%
Service	14.1%
Sales & office	14.2%
Natural resources & construction	15.6%
Production & transportation	16.7%

Employment type

Type	%
Private sector	74.7%
Government	15.9%
Self-employed	9.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.0%
Carpool	7.9%
Public transit	0.0%
Walk	9.2%
Work from home	4.0%
Other means	0.0%
Avg commute (minutes)	17.0

Poverty

All people 11.5%

Under 18 years 20.9%

18 and over 8.8%

Married-couple families 1.6%

Female-led households 36.8%

Income support

Source	% of households
Social Security	37.0%
Retirement income	23.4%
Supplemental Security	3.9%
Cash public assistance	1.1%
Food stamps / SNAP	8.0%

Health indicators

Condition	%
Obesity	33.5%
High blood pressure	36.3%
High cholesterol	33.5%
Diabetes	10.4%
Heart disease	7.3%
Stroke	3.3%
Asthma	8.0%
Arthritis	27.4%
Kidney disease	3.1%
Pulmonary disease	6.4%
Cancer	8.4%

Behavior / access	%
Smoking	15.5%
Binge drinking	20.3%
No physical activity	23.1%
Less than 7 hrs sleep	29.0%
Depression	16.2%
Fair or poor health	11.5%
Poor mental health	10.8%
Poor physical health	9.2%
No health insurance	12.1%
Visited doctor (checkup)	72.4%
Visited dentist	66.5%
Cholesterol screening	90.3%
Teeth loss	11.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	76	7.9%

Disability	%
Any disability	7.9%
Under 18	0.0%
18–64 years	4.7%
65 and over	26.5%

Health insurance coverage

Type	%
Private insurance	74.5%
Public insurance	28.6%
No insurance	7.9%
Uninsured under 19	10.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,168	95.4%
Spanish	15	1.3%
Other Indo-European	13	1.1%
Asian & Pacific Islander	2	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,185	96.8%
Born in same state	1,163	95.0%
Born in different state	997	81.5%
Foreign born	22	1.8%
Naturalized citizen	39	3.2%
Not a US citizen	6	15.4%

Ancestry

Ancestry	Count	%
French	90	7.4%
Italian	88	7.2%
Dutch	37	3%
Arab	34	2.8%

Ancestry	Count	%
English	24	2%
Norwegian	13	1.1%
Polish	10	0.8%

Technology access

Metric	% of households
Computer access	38.0%
Internet access	89.2%

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

Frequently asked questions about ZIP code 68651

What city is ZIP code 68651 in?

ZIP code 68651 is primarily assigned to Osceola, Nebraska.

What county is ZIP code 68651 in?

ZIP code 68651 falls within Polk County, Nebraska.

Does ZIP code 68651 have a large retiree population?

37% of households in ZIP code 68651 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 68651?

The median home value in ZIP code 68651 is $150,000.

What is the population of ZIP code 68651?

ZIP code 68651 has an estimated population of 1,224 residents, with a density of 10 people per square mile.

What is the median household income in ZIP code 68651?

The median household income in ZIP code 68651 is $73,750, below the national median of ~$75,000.

What timezone is ZIP code 68651 in?

ZIP code 68651 observes the CST timezone.