68431 ZIP Code — Rulo, NE

Richardson County, Nebraska

ZIP code 68431 is located in Rulo, Nebraska, within Richardson County. It covers approximately 49.27 square miles and serves a population of 225 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68431

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 $90,800.

The gap between median ($60,729) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 20% of residents, above the national average.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 24 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 68431 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and high homeownership.

225

population

49.27

sq mi land

Standard

ZIP type

Central (CT)

timezone

68431 ZIP code map

Cities in ZIP code 68431

Below are the cities the US Postal Service accepts for ZIP code 68431. Using any city not on this list may result in mail delivery delays.

City	Status
Rulo	Preferred

Nearby ZIP codes

64437 Craig (4.7 mi) 68355 Falls City (6.7 mi) 66094 White Cloud (11.5 mi) 64451 Forest City (12 mi) 64470 Mound City (13.3 mi) 66532 Robinson (15.8 mi) 66434 Hiawatha (15.8 mi) 68457 Verdon (16.1 mi) 66515 Morrill (17.1 mi) 68437 Shubert (17.4 mi) 66035 Highland (17.5 mi) 64466 Maitland (18.6 mi)

Demographics updated 05/2026

Population
Total population	225
Population density	5 / sq mi
State FIPS	31
County FIPS	147

Geography
Land area	49.27 sq mi
Water area	1.34 sq mi
Latitude	40.0698
Longitude	-95.4333
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	50.4%	57.3%	39.5%
$50k – $100k	6.7%	26.8%	33.4%
$100k – $200k	36.1%	12.9%	22.0%
Over $200k	6.7%	3.0%	5.2%

Demographics & statistics

225

Population

People per sq mi

49.6

Median age

$60,729

Median household income

$41,508

Per capita income

$90,800

Median home value

Median monthly rent

100.0%

Home ownership

20.4%

Poverty rate

3.4%

Unemployment

139

Housing units

17.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	53	23.6%
18 and over	172	76.4%
65 and over	51	22.7%
Median age	49.6 years

Race & ethnicity

White 86.2%

American Indian / Alaska Native 8%

Two or more races 4%

Black or African American 0.9%

Asian 0.9%

Group	Count	%
White	194	86.2%
American Indian / Alaska Native	18	8%
Two or more races	9	4%
Black or African American	2	0.9%
Asian	2	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.4%	57.3%	39.5%
$50k – $100k	6.7%	26.8%	33.4%
$100k – $200k	36.1%	12.9%	22.0%
Over $200k	6.7%	3.0%	5.2%

$15k–$25k 11.4%

$25k–$35k 19.0%

$35k–$50k 3.8%

$50k–$75k 23.8%

$75k–$100k 7.6%

$100k–$150k 21.9%

$150k–$200k 1.9%

$200k+ 10.5%

Range	% of households
$15k–$25k	11.4%
$25k–$35k	19.0%
$35k–$50k	3.8%
$50k–$75k	23.8%
$75k–$100k	7.6%
$100k–$150k	21.9%
$150k–$200k	1.9%
$200k+	10.5%
Median income	$60,729

Housing

Home values

Under $50k 30.5%

$50k–$100k 24.8%

$100k–$150k 17.1%

$150k–$200k 10.5%

$200k–$300k 10.5%

$300k–$500k 5.7%

$500k–$1M 1.0%

Housing overview

Metric	Value
Median home value	$90,800
Median rent / month	$0
Owner occupied	100.0%
Renter occupied	0.0%
Vacant	24.5%
Single-family detached	81.3%
Large apartment buildings	0.0%
Mobile homes	18.7%
Median rooms	6.1
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.0%
2010–2019	10.8%
2000–2009	9.4%
1990–1999	18.0%
1980–1989	6.5%
1970–1979	18.7%
1960–1969	6.5%
1950–1959	4.3%
1940–1949	3.6%
1939 or earlier	22.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	9.4%
2 bedrooms	29.5%
3 bedrooms	35.3%
4 bedrooms	22.3%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	33.3%
2 vehicles	32.4%
3 or more	31.4%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	15.2%
Propane / LP gas	77.1%
Wood	5.7%

Households & families

Household type	Count	%
Married-couple family	48	45.7%
Cohabiting couple	0	0.0%
Male householder, no spouse	42	40.0%
Female householder, no spouse	15	14.3%
Households with children under 18	32	30.5%
Households with seniors (65+)	32	30.5%
Average household size	2.14

Marital status

Status	Male	Female
Never married	43.1%	7.6%
Married	46.6%	72.7%
Separated	0.0%	0.0%
Widowed	2.6%	1.5%
Divorced	7.8%	18.2%

Education

Less than 9th grade 6.3%

Some HS, no diploma 11.4%

HS graduate 47.5%

Some college, no degree 10.1%

Associate's degree 7.0%

Bachelor's degree 10.8%

Graduate / professional 7.0%

Metric	%
HS diploma or higher	82.3%
Bachelor's or higher	17.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	5	10.0%
Elementary school	21	42.0%
High school	24	48.0%
College / grad school	0	0.0%

Employment

Industry of employment

Agriculture & mining 26.5%

Transportation & utilities 15.0%

Retail trade 10.6%

Professional & management 8.8%

Public administration 8.0%

Manufacturing 7.1%

Education & healthcare 6.2%

Construction 5.3%

Wholesale trade 5.3%

Other services 5.3%

Arts, food & hospitality 1.8%

Occupation

Category	%
Management, business & arts	29.2%
Service	7.1%
Sales & office	17.7%
Natural resources & construction	19.5%
Production & transportation	26.5%

Employment type

Type	%
Private sector	46.9%
Government	28.3%
Self-employed	24.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	70.8%
Carpool	14.2%
Public transit	0.0%
Walk	4.7%
Work from home	10.4%
Other means	0.0%
Avg commute (minutes)	23.9

Poverty

All people 20.4%

Under 18 years 20.8%

18 and over 20.3%

Married-couple families 14.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	24.8%
Retirement income	16.2%
Supplemental Security	9.5%
Cash public assistance	1.0%
Food stamps / SNAP	7.6%

Health indicators

Condition	%
Obesity	38.2%
High blood pressure	38.4%
High cholesterol	35.1%
Diabetes	11.6%
Heart disease	7.7%
Stroke	3.4%
Asthma	8.4%
Arthritis	28.3%
Kidney disease	3.1%
Pulmonary disease	6.7%
Cancer	8.3%

Behavior / access	%
Smoking	17.9%
Binge drinking	18.2%
No physical activity	24.4%
Less than 7 hrs sleep	29.1%
Depression	15.7%
Fair or poor health	12.7%
Poor mental health	11.2%
Poor physical health	9.8%
No health insurance	12.4%
Visited doctor (checkup)	71.4%
Visited dentist	63.4%
Cholesterol screening	90.5%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	13	7.6%

Disability	%
Any disability	6.7%
Under 18	0.0%
18–64 years	5.8%
65 and over	15.7%

Health insurance coverage

Type	%
Private insurance	70.7%
Public insurance	28.4%
No insurance	14.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	208	92.4%
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)	223	99.1%
Born in same state	223	99.1%
Born in different state	143	63.6%
Foreign born	0	0.0%
Naturalized citizen	2	0.9%
Not a US citizen	2	100.0%

Ancestry

Ancestry	Count	%
Italian	66	29.3%
French	15	6.7%

Ancestry	Count	%
English	11	4.9%
Arab	4	1.8%

Technology access

Metric	% of households
Computer access	46.7%
Internet access	100.0%

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

Frequently asked questions about ZIP code 68431

What city is ZIP code 68431 in?

ZIP code 68431 is primarily assigned to Rulo, Nebraska.

What county is ZIP code 68431 in?

ZIP code 68431 falls within Richardson County, Nebraska.

What is the poverty rate in ZIP code 68431?

20% of residents in ZIP code 68431 live below the poverty line, above the national average.

What is the typical home value in ZIP code 68431?

The median home value in ZIP code 68431 is $90,800.

What is the population of ZIP code 68431?

ZIP code 68431 has an estimated population of 225 residents, with a density of 5 people per square mile.

What is the median household income in ZIP code 68431?

The median household income in ZIP code 68431 is $60,729, below the national median of ~$75,000.

What timezone is ZIP code 68431 in?

ZIP code 68431 observes the CST timezone.