68654 ZIP Code — Polk, NE

Polk County, Nebraska

ZIP code 68654 is located in Polk, Nebraska, within Polk County. It covers approximately 56.19 square miles and serves a population of 563 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68654

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 $85,800. Owner-occupancy is high at 82%, well above the national average.

Median household income is $63,333. 36% 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.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 68654 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

563

population

56.19

sq mi land

Standard

ZIP type

Central (CT)

timezone

68654 ZIP code map

Cities in ZIP code 68654

Below are the cities the US Postal Service accepts for ZIP code 68654. Using any city not on this list may result in mail delivery delays.

City	Status
Polk	Preferred

Nearby ZIP codes

68628 Clarks (6.7 mi) 68846 Hordville (9.3 mi) 68651 Osceola (11.1 mi) 68663 Silver Creek (12 mi) 68316 Benedict (12.5 mi) 68666 Stromsburg (12.5 mi) 68826 Central City (13.1 mi) 68319 Bradshaw (13.6 mi) 68854 Marquette (17.5 mi) 68662 Shelby (17.7 mi) 68843 Hampton (18.8 mi)

Demographics updated 05/2026

Population
Total population	563
Population density	10 / sq mi
State FIPS	31
County FIPS	143

Geography
Land area	56.19 sq mi
Water area	0.10 sq mi
Latitude	41.1556
Longitude	-97.7409
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	40.6%	34.0%	39.5%
$50k – $100k	41.8%	44.3%	33.4%
$100k – $200k	13.7%	19.6%	22.0%
Over $200k	4.0%	2.1%	5.2%

Demographics & statistics

563

Population

People per sq mi

38.6

Median age

$63,333

Median household income

$33,737

Per capita income

$85,800

Median home value

$396

Median monthly rent

81.6%

Home ownership

17.2%

Poverty rate

1.3%

Unemployment

234

Housing units

11.5%

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	163	29.0%
18 and over	400	71.0%
65 and over	108	19.2%
Median age	38.6 years

Race & ethnicity

White 83.7%

Hispanic or Latino 8%

Other race 6.2%

Two or more races 2.1%

Group	Count	%
White	512	83.7%
Hispanic or Latino	49	8%
Other race	38	6.2%
Two or more races	13	2.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.6%	34.0%	39.5%
$50k – $100k	41.8%	44.3%	33.4%
$100k – $200k	13.7%	19.6%	22.0%
Over $200k	4.0%	2.1%	5.2%

Under $10k 7.7%

$10k–$15k 2.1%

$15k–$25k 12.0%

$25k–$35k 7.7%

$35k–$50k 7.3%

$50k–$75k 25.6%

$75k–$100k 15.4%

$100k–$150k 11.5%

$150k–$200k 7.3%

$200k+ 3.4%

Range	% of households
Under $10k	7.7%
$10k–$15k	2.1%
$15k–$25k	12.0%
$25k–$35k	7.7%
$35k–$50k	7.3%
$50k–$75k	25.6%
$75k–$100k	15.4%
$100k–$150k	11.5%
$150k–$200k	7.3%
$200k+	3.4%
Median income	$63,333

Housing

Home values

Under $50k 23.6%

$50k–$100k 36.1%

$100k–$150k 19.4%

$150k–$200k 5.8%

$200k–$300k 6.8%

$300k–$500k 8.4%

Housing overview

Metric	Value
Median home value	$85,800
Median rent / month	$396
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	15.5%
Single-family detached	92.4%
Large apartment buildings	0.0%
Mobile homes	2.9%
Median rooms	6.3
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	3.6%
1990–1999	0.0%
1980–1989	2.2%
1970–1979	11.6%
1960–1969	7.9%
1950–1959	5.4%
1940–1949	5.1%
1939 or earlier	64.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	9.0%
2 bedrooms	27.4%
3 bedrooms	36.5%
4 bedrooms	20.9%
5+ bedrooms	6.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	22.6%
2 vehicles	41.5%
3 or more	35.5%

Heating fuel

Fuel type	%
Utility gas	56.8%
Electricity	27.8%
Propane / LP gas	10.7%
Wood	4.7%

Households & families

Household type	Count	%
Married-couple family	127	54.3%
Cohabiting couple	7	3.0%
Male householder, no spouse	48	20.5%
Female householder, no spouse	52	22.2%
Households with children under 18	74	31.6%
Households with seniors (65+)	88	37.6%
Average household size	2.41

Marital status

Status	Male	Female
Never married	26.1%	22.8%
Married	62.6%	57.3%
Separated	0.5%	0.0%
Widowed	8.1%	8.9%
Divorced	2.8%	11.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.8%

HS graduate 40.2%

Some college, no degree 27.0%

Associate's degree 16.9%

Bachelor's degree 6.6%

Graduate / professional 4.9%

Metric	%
HS diploma or higher	95.6%
Bachelor's or higher	11.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	10	6.8%
Kindergarten	14	9.5%
Elementary school	52	35.1%
High school	45	30.4%
College / grad school	27	18.2%

Employment

Industry of employment

Education & healthcare 19.3%

Agriculture & mining 16.0%

Retail trade 13.1%

Manufacturing 12.4%

Arts, food & hospitality 11.1%

Construction 6.5%

Other services 6.2%

Public administration 5.2%

Transportation & utilities 4.2%

Wholesale trade 2.9%

Information 2.0%

Professional & management 1.0%

Occupation

Category	%
Management, business & arts	32.7%
Service	18.3%
Sales & office	14.4%
Natural resources & construction	15.7%
Production & transportation	19.0%

Employment type

Type	%
Private sector	65.0%
Government	14.7%
Self-employed	19.0%
Unpaid family workers	1.3%

Commute

Method	%
Drive alone	73.3%
Carpool	11.6%
Public transit	1.3%
Walk	4.0%
Work from home	9.6%
Other means	0.3%
Avg commute (minutes)	24.6

Poverty

All people 17.2%

Under 18 years 27.0%

18 and over 13.3%

Married-couple families 9.4%

Female-led households 25.0%

Income support

Source	% of households
Social Security	36.3%
Retirement income	20.1%
Supplemental Security	2.1%
Cash public assistance	0.4%
Food stamps / SNAP	3.4%

Health indicators

Condition	%
Obesity	34.9%
High blood pressure	38.7%
High cholesterol	35.5%
Diabetes	11.6%
Heart disease	8.2%
Stroke	3.6%
Asthma	8.1%
Arthritis	29.1%
Kidney disease	3.4%
Pulmonary disease	7.2%
Cancer	8.8%

Behavior / access	%
Smoking	16.2%
Binge drinking	19.1%
No physical activity	24.7%
Less than 7 hrs sleep	28.6%
Depression	15.9%
Fair or poor health	13.0%
Poor mental health	10.6%
Poor physical health	10.0%
No health insurance	13.2%
Visited doctor (checkup)	73.0%
Visited dentist	64.9%
Cholesterol screening	90.6%
Teeth loss	12.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	43	10.8%

Disability	%
Any disability	13.5%
Under 18	9.8%
18–64 years	8.6%
65 and over	32.4%

Health insurance coverage

Type	%
Private insurance	56.7%
Public insurance	43.3%
No insurance	12.3%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	536	95.2%
Spanish	15	2.8%
Other Indo-European	11	2.1%
Asian & Pacific Islander	4	0.7%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	537	95.4%
Born in same state	536	95.2%
Born in different state	472	83.8%
Foreign born	1	0.2%
Naturalized citizen	26	4.6%
Not a US citizen	14	53.8%

Ancestry

Ancestry	Count	%
Italian	46	8.2%
Arab	38	6.7%
French	29	5.2%

Ancestry	Count	%
English	11	2%
Polish	2	0.4%
Dutch	1	0.2%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	91.5%

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

Frequently asked questions about ZIP code 68654

What city is ZIP code 68654 in?

ZIP code 68654 is primarily assigned to Polk, Nebraska.

What county is ZIP code 68654 in?

ZIP code 68654 falls within Polk County, Nebraska.

How educated is the population of ZIP code 68654?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 68654?

17% of residents in ZIP code 68654 live below the poverty line, above the national average.

Is ZIP code 68654 mostly owner-occupied?

82% of occupied units in ZIP code 68654 are owner-occupied, well above the national average.

Does ZIP code 68654 have a large veteran population?

11% of civilians in ZIP code 68654 are veterans, above the national average of ~7%.

What timezone is ZIP code 68654 in?

ZIP code 68654 observes the CST timezone.