51044 ZIP Code — Oto, IA

Woodbury County, Iowa

ZIP code 51044 is located in Oto, Iowa, within Woodbury County. It covers approximately 33.68 square miles and serves a population of 216 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 712.

About ZIP code 51044

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 $83,300. Owner-occupancy is high at 87%, well above the national average.

Median household income is $83,750. 61% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. An above-average commute of 37 minutes suggests many residents work outside the immediate area.

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

Notable community characteristics include a notable veteran presence at 19% of civilians, above the national average of 7%; and disability rates above the national average at 44%.

Overall, ZIP code 51044 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

216

population

33.68

sq mi land

Standard

ZIP type

Central (CT)

timezone

51044 ZIP code map

Cities in ZIP code 51044

Below are the cities the US Postal Service accepts for ZIP code 51044. Using any city not on this list may result in mail delivery delays.

City	Status
Oto	Preferred

Nearby ZIP codes

51056 Smithland (3.9 mi) 51004 Anthon (5.8 mi) 51051 Rodney (7.4 mi) 51019 Danbury (9.2 mi) 51026 Hornick (9.4 mi) 51034 Mapleton (11.9 mi) 51016 Correctionville (12.3 mi) 51010 Castana (13 mi) 51006 Battle Creek (13.5 mi) 51039 Moville (13.5 mi) 51007 Bronson (15.7 mi) 51063 Whiting (16.2 mi)

Demographics updated 05/2026

Population
Total population	216
Population density	6 / sq mi
State FIPS	19
County FIPS	193

Geography
Land area	33.68 sq mi
Water area	0.06 sq mi
Latitude	42.2876
Longitude	-95.9032
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	41.2%	40.6%	40.1%
$50k – $100k	18.4%	33.9%	33.4%
$100k – $200k	40.4%	21.3%	21.5%
Over $200k	0.0%	4.2%	5.0%

Demographics & statistics

216

Population

People per sq mi

72.7

Median age

$83,750

Median household income

$43,045

Per capita income

$83,300

Median home value

$542

Median monthly rent

87.4%

Home ownership

12.3%

Poverty rate

20.0%

Unemployment

108

Housing units

31.3%

Bachelor's or higher

Age distribution

Male Female

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	15	6.9%
18 and over	201	93.1%
65 and over	145	67.1%
Median age	72.7 years

Race & ethnicity

White 99.1%

Two or more races 0.9%

Group	Count	%
White	214	99.1%
Two or more races	2	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.2%	40.6%	40.1%
$50k – $100k	18.4%	33.9%	33.4%
$100k – $200k	40.4%	21.3%	21.5%
Over $200k	0.0%	4.2%	5.0%

Under $10k 23.2%

$15k–$25k 1.1%

$25k–$35k 4.2%

$50k–$75k 10.5%

$75k–$100k 46.3%

$100k–$150k 2.1%

$150k–$200k 5.3%

$200k+ 7.4%

Range	% of households
Under $10k	23.2%
$15k–$25k	1.1%
$25k–$35k	4.2%
$50k–$75k	10.5%
$75k–$100k	46.3%
$100k–$150k	2.1%
$150k–$200k	5.3%
$200k+	7.4%
Median income	$83,750

Housing

Home values

Under $50k 25.3%

$50k–$100k 50.6%

$100k–$150k 1.2%

$200k–$300k 15.7%

$300k–$500k 7.2%

Housing overview

Metric	Value
Median home value	$83,300
Median rent / month	$542
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	20.8%
Single-family detached	96.7%
Large apartment buildings	2.5%
Mobile homes	0.8%
Median rooms	7.1
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	7.5%
1990–1999	5.0%
1980–1989	5.8%
1970–1979	25.8%
1960–1969	2.5%
1950–1959	5.0%
1940–1949	14.2%
1939 or earlier	34.2%

Bedrooms

Size	% of units
No bedroom (studio)	4.2%
1 bedroom	2.5%
2 bedrooms	10.0%
3 bedrooms	68.3%
4 bedrooms	12.5%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	18.9%
2 vehicles	50.5%
3 or more	26.3%

Heating fuel

Fuel type	%
Electricity	28.4%
Propane / LP gas	38.9%
Fuel oil	32.6%

Households & families

Household type	Count	%
Married-couple family	61	64.2%
Cohabiting couple	0	0.0%
Male householder, no spouse	22	23.2%
Female householder, no spouse	12	12.6%
Households with children under 18	13	13.7%
Households with seniors (65+)	70	73.7%
Average household size	2.27

Marital status

Status	Male	Female
Never married	13.8%	10.4%
Married	64.9%	54.8%
Separated	1.1%	0.0%
Widowed	1.1%	29.6%
Divorced	19.1%	5.2%

Education

Less than 9th grade 3.6%

Some HS, no diploma 6.8%

HS graduate 45.3%

Some college, no degree 10.9%

Associate's degree 2.1%

Bachelor's degree 25.5%

Graduate / professional 5.7%

Metric	%
HS diploma or higher	89.6%
Bachelor's or higher	31.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	7	26.9%
High school	8	30.8%
College / grad school	11	42.3%

Employment

Industry of employment

Finance & real estate 30.6%

Manufacturing 13.9%

Retail trade 13.9%

Education & healthcare 13.9%

Transportation & utilities 8.3%

Arts, food & hospitality 8.3%

Agriculture & mining 5.6%

Wholesale trade 5.6%

Occupation

Category	%
Management, business & arts	58.3%
Service	8.3%
Sales & office	25.0%
Natural resources & construction	5.6%
Production & transportation	2.8%

Employment type

Type	%
Private sector	83.3%
Government	13.9%
Self-employed	2.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.1%
Carpool	0.0%
Public transit	0.0%
Walk	4.8%
Work from home	7.1%
Other means	0.0%
Avg commute (minutes)	37.1

Poverty

All people 12.3%

Under 18 years 27.3%

18 and over 11.4%

Married-couple families 3.3%

Female-led households 25.0%

Income support

Source	% of households
Social Security	61.1%
Retirement income	65.3%
Supplemental Security	3.2%
Cash public assistance	0.0%
Food stamps / SNAP	15.8%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	36.5%
High cholesterol	38.0%
Diabetes	12.2%
Heart disease	7.4%
Stroke	3.3%
Asthma	8.9%
Arthritis	27.8%
Kidney disease	3.1%
Pulmonary disease	7.4%
Cancer	8.2%

Behavior / access	%
Smoking	17.2%
Binge drinking	19.0%
No physical activity	26.5%
Less than 7 hrs sleep	31.7%
Depression	16.9%
Fair or poor health	13.2%
Poor mental health	12.7%
Poor physical health	10.1%
No health insurance	9.4%
Visited doctor (checkup)	78.7%
Visited dentist	70.6%
Cholesterol screening	91.0%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	37	19.0%

Disability	%
Any disability	43.8%
Under 18	0.0%
18–64 years	12.0%
65 and over	59.3%

Health insurance coverage

Type	%
Private insurance	57.6%
Public insurance	75.7%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	216	100.0%
Spanish	4	1.9%
Other Indo-European	0	0.0%
Asian & Pacific Islander	4	1.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	175	81.0%
Born in same state	175	81.0%
Born in different state	131	60.6%
Foreign born	0	0.0%
Naturalized citizen	41	19.0%
Not a US citizen	1	2.4%

Ancestry

Ancestry	Count	%
French	65	30.1%
Italian	57	26.4%

Ancestry	Count	%
Arab	3	1.4%
Polish	2	0.9%

Technology access

Metric	% of households
Computer access	44.0%
Internet access	80.0%

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

Frequently asked questions about ZIP code 51044

What city is ZIP code 51044 in?

ZIP code 51044 is primarily assigned to Oto, Iowa.

What county is ZIP code 51044 in?

ZIP code 51044 falls within Woodbury County, Iowa.

Does ZIP code 51044 have an older population?

67% of residents in ZIP code 51044 are 65 or older, above the national average of ~17%.

Does ZIP code 51044 have a large retiree population?

61% of households in ZIP code 51044 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 51044 mostly owner-occupied?

87% of occupied units in ZIP code 51044 are owner-occupied, well above the national average.

Does ZIP code 51044 have a large veteran population?

19% of civilians in ZIP code 51044 are veterans, above the national average of ~7%.

What timezone is ZIP code 51044 in?

ZIP code 51044 observes the CST timezone.