68864 ZIP Code — Palmer, NE

Merrick County, Nebraska

ZIP code 68864 is located in Palmer, Nebraska, within Merrick County. It covers approximately 174.95 square miles and serves a population of 1,175 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 308.

About ZIP code 68864

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 $129,400. Owner-occupancy is high at 88%, well above the national average.

Median household income is $72,917. The poverty rate of 3% is below the national average. 30% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Overall, ZIP code 68864 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,175

population

174.95

sq mi land

Standard

ZIP type

Central (CT)

timezone

68864 ZIP code map

Cities in ZIP code 68864

Below are the cities the US Postal Service accepts for ZIP code 68864. Using any city not on this list may result in mail delivery delays.

City	Status
Palmer	Preferred

Nearby ZIP codes

68872 Saint Libory (9.7 mi) 68873 Saint Paul (12.3 mi) 68826 Central City (12.7 mi) 68827 Chapman (12.8 mi) 68638 Fullerton (13.2 mi) 68854 Marquette (16.9 mi) 68882 Wolbach (18.5 mi) 68831 Dannebrog (18.6 mi) 68801 Grand Island (18.9 mi) 68628 Clarks (19 mi) 68846 Hordville (19.1 mi)

Demographics updated 05/2026

Population
Total population	1,175
Population density	7 / sq mi
State FIPS	31
County FIPS	121

Geography
Land area	174.95 sq mi
Water area	1.95 sq mi
Latitude	41.2129
Longitude	-98.2216
Timezone	Central (CT)
Area code	308

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%	44.5%	39.5%
$50k – $100k	35.6%	36.3%	33.4%
$100k – $200k	23.0%	17.8%	22.0%
Over $200k	0.2%	1.5%	5.2%

Demographics & statistics

1,175

Population

People per sq mi

37.8

Median age

$72,917

Median household income

$31,860

Per capita income

$129,400

Median home value

$913

Median monthly rent

88.3%

Home ownership

2.8%

Poverty rate

0.2%

Unemployment

466

Housing units

24.3%

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	328	27.9%
18 and over	847	72.1%
65 and over	189	16.1%
Median age	37.8 years

Race & ethnicity

White 97.8%

Two or more races 1.7%

Asian 0.3%

Hispanic or Latino 0.2%

Group	Count	%
White	1,151	97.8%
Two or more races	20	1.7%
Asian	4	0.3%
Hispanic or Latino	2	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.2%	44.5%	39.5%
$50k – $100k	35.6%	36.3%	33.4%
$100k – $200k	23.0%	17.8%	22.0%
Over $200k	0.2%	1.5%	5.2%

Under $10k 1.4%

$10k–$15k 0.9%

$15k–$25k 9.5%

$25k–$35k 10.1%

$35k–$50k 11.7%

$50k–$75k 19.8%

$75k–$100k 7.9%

$100k–$150k 29.3%

$150k–$200k 5.2%

$200k+ 4.3%

Range	% of households
Under $10k	1.4%
$10k–$15k	0.9%
$15k–$25k	9.5%
$25k–$35k	10.1%
$35k–$50k	11.7%
$50k–$75k	19.8%
$75k–$100k	7.9%
$100k–$150k	29.3%
$150k–$200k	5.2%
$200k+	4.3%
Median income	$72,917

Housing

Home values

Under $50k 21.2%

$50k–$100k 19.4%

$100k–$150k 13.0%

$150k–$200k 6.4%

$200k–$300k 13.0%

$300k–$500k 12.2%

$500k–$1M 12.2%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$129,400
Median rent / month	$913
Owner occupied	88.3%
Renter occupied	11.7%
Vacant	14.3%
Single-family detached	95.8%
Large apartment buildings	0.0%
Mobile homes	4.1%
Median rooms	6.0
Avg household size (owned)	2.63

Year built

Era	%
2020 or later	5.2%
2010–2019	11.0%
2000–2009	4.1%
1990–1999	2.7%
1980–1989	11.6%
1970–1979	9.5%
1960–1969	8.7%
1950–1959	5.6%
1940–1949	5.8%
1939 or earlier	35.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.2%
2 bedrooms	25.9%
3 bedrooms	40.0%
4 bedrooms	19.1%
5+ bedrooms	9.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.5%
1 vehicle	17.3%
2 vehicles	30.4%
3 or more	51.8%

Heating fuel

Fuel type	%
Utility gas	28.2%
Electricity	38.5%
Propane / LP gas	28.8%
Fuel oil	1.4%
Wood	3.2%

Households & families

Household type	Count	%
Married-couple family	292	65.8%
Cohabiting couple	18	4.1%
Male householder, no spouse	66	14.9%
Female householder, no spouse	68	15.3%
Households with children under 18	151	34.0%
Households with seniors (65+)	140	31.5%
Average household size	2.65

Marital status

Status	Male	Female
Never married	21.0%	24.7%
Married	65.5%	63.1%
Separated	1.6%	1.7%
Widowed	2.5%	4.6%
Divorced	9.4%	5.9%

Education

Less than 9th grade 0.3%

Some HS, no diploma 2.5%

HS graduate 37.9%

Some college, no degree 20.3%

Associate's degree 14.8%

Bachelor's degree 18.8%

Graduate / professional 5.4%

Metric	%
HS diploma or higher	97.3%
Bachelor's or higher	24.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	48	18.8%
Kindergarten	14	5.5%
Elementary school	71	27.8%
High school	61	23.9%
College / grad school	61	23.9%

Employment

Industry of employment

Education & healthcare 25.2%

Agriculture & mining 19.7%

Public administration 9.0%

Transportation & utilities 8.8%

Manufacturing 8.2%

Retail trade 7.5%

Construction 6.5%

Finance & real estate 5.2%

Other services 5.0%

Professional & management 3.2%

Information 0.8%

Arts, food & hospitality 0.7%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	46.3%
Service	8.5%
Sales & office	12.8%
Natural resources & construction	15.3%
Production & transportation	17.0%

Employment type

Type	%
Private sector	62.7%
Government	19.2%
Self-employed	18.0%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	80.1%
Carpool	11.0%
Public transit	0.0%
Walk	1.9%
Work from home	6.1%
Other means	1.0%
Avg commute (minutes)	24.5

Poverty

All people 2.8%

Under 18 years 1.9%

18 and over 3.2%

Married-couple families 1.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	30.4%
Retirement income	9.5%
Supplemental Security	1.4%
Cash public assistance	0.2%
Food stamps / SNAP	3.6%

Health indicators

Condition	%
Obesity	34.9%
High blood pressure	35.0%
High cholesterol	33.4%
Diabetes	10.5%
Heart disease	7.1%
Stroke	3.2%
Asthma	8.2%
Arthritis	26.8%
Kidney disease	3.0%
Pulmonary disease	6.5%
Cancer	7.6%

Behavior / access	%
Smoking	17.0%
Binge drinking	21.1%
No physical activity	22.5%
Less than 7 hrs sleep	27.4%
Depression	17.1%
Fair or poor health	12.2%
Poor mental health	11.6%
Poor physical health	9.4%
No health insurance	13.5%
Visited doctor (checkup)	70.3%
Visited dentist	67.9%
Cholesterol screening	88.3%
Teeth loss	11.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	52	6.1%

Disability	%
Any disability	8.7%
Under 18	1.5%
18–64 years	8.4%
65 and over	22.2%

Health insurance coverage

Type	%
Private insurance	86.5%
Public insurance	25.2%
No insurance	4.6%
Uninsured under 19	1.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,022	87.0%
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)	1,173	99.8%
Born in same state	1,173	99.8%
Born in different state	1,064	90.6%
Foreign born	0	0.0%
Naturalized citizen	2	0.2%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	135	11.5%
French	67	5.7%
Arab	32	2.7%
English	20	1.7%

Ancestry	Count	%
Dutch	14	1.2%
Polish	7	0.6%
Norwegian	3	0.3%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	94.8%

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

Frequently asked questions about ZIP code 68864

What city is ZIP code 68864 in?

ZIP code 68864 is primarily assigned to Palmer, Nebraska.

What county is ZIP code 68864 in?

ZIP code 68864 falls within Merrick County, Nebraska.

Is ZIP code 68864 mostly owner-occupied?

88% of occupied units in ZIP code 68864 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 68864?

The median home value in ZIP code 68864 is $129,400.

What is the population of ZIP code 68864?

ZIP code 68864 has an estimated population of 1,175 residents, with a density of 7 people per square mile.

What is the median household income in ZIP code 68864?

The median household income in ZIP code 68864 is $72,917, below the national median of ~$75,000.

What timezone is ZIP code 68864 in?

ZIP code 68864 observes the CST timezone.