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Nebraska ZIP Codes
Boyd County
Spencer, NE
68777
68777 ZIP Code — Spencer, NE
Boyd County, Nebraska
ZIP code 68777 is located in
Spencer ,
Nebraska ,
within Boyd County .
It covers approximately 182.59 square miles and serves a population of
553 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 402 .
About ZIP code 68777
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 $102,500. Owner-occupancy sits near the national average at 74%.
Median household income is $59,792. The poverty rate of 7% is below the national average. 40% 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 30 minutes is near the national average.
College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.
Overall, ZIP code 68777 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.
68777 ZIP code map
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Cities in ZIP code 68777
Below are the cities the US Postal Service accepts for ZIP code 68777. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
553
Population density
3 / sq mi
State FIPS
31
County FIPS
015
Geography
Land area
182.59 sq mi
Water area
1.07 sq mi
Latitude
42.9006
Longitude
-98.7227
Timezone
Central (CT)
Area code
402
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
51.3%
49.1%
39.5%
$50k – $100k
36.5%
31.1%
33.4%
$100k – $200k
10.7%
16.3%
22.0%
Over $200k
1.5%
3.5%
5.2%
Demographics & statistics
$59,792
Median household income
$102,500
Median home value
Age distribution
Age summary
Group Count % Under 18 126 22.8% 18 and over 427 77.2% 65 and over 166 30.0% Median age 47.4 years
Race & ethnicity
Black or African American
0.9%
American Indian / Alaska Native
0.4%
Group Count % White 537 95.7% Hispanic or Latino 8 1.4% Other race 7 1.2% Black or African American 5 0.9% American Indian / Alaska Native 2 0.4% Two or more races 2 0.4%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
51.3%
49.1%
39.5%
$50k – $100k
36.5%
31.1%
33.4%
$100k – $200k
10.7%
16.3%
22.0%
Over $200k
1.5%
3.5%
5.2%
Range % of households Under $10k 6.4% $10k–$15k 4.2% $15k–$25k 14.0% $25k–$35k 4.2% $35k–$50k 10.2% $50k–$75k 14.8% $75k–$100k 22.7% $100k–$150k 17.8% $150k–$200k 5.7% Median income $59,792
Housing
Housing overview
Metric Value Median home value $102,500 Median rent / month $681 Owner occupied 74.2% Renter occupied 25.8% Vacant 35.0% Single-family detached 89.4% Large apartment buildings 0.0% Mobile homes 9.1% Median rooms 6.3 Avg household size (owned) 2.32
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 1.2% 1990–1999 10.6% 1980–1989 12.3% 1970–1979 5.2% 1960–1969 12.1% 1950–1959 15.3% 1940–1949 3.0% 1939 or earlier 40.4%
Bedrooms
Size % of units No bedroom (studio) 1.0% 1 bedroom 3.9% 2 bedrooms 22.9% 3 bedrooms 51.5% 4 bedrooms 18.0% 5+ bedrooms 2.7%
Vehicles per household
Vehicles % of households No vehicle 0.4% 1 vehicle 21.6% 2 vehicles 19.3% 3 or more 58.7%
Heating fuel
Fuel type % Utility gas 1.9% Electricity 55.7% Propane / LP gas 36.7% Fuel oil 2.7% Wood 2.3% No fuel used 0.8%
Households & families
Household type Count % Married-couple family 147 55.7% Cohabiting couple 21 8.0% Male householder, no spouse 36 13.6% Female householder, no spouse 60 22.7% Households with children under 18 58 22.0% Households with seniors (65+) 113 42.8% Average household size 2.09
Marital status
Status Male Female Never married 24.3% 18.3% Married 66.7% 61.2% Separated 0.0% 0.5% Widowed 4.5% 14.2% Divorced 4.5% 5.9%
Education
Some college, no degree
31.7%
Graduate / professional
3.6%
Metric % HS diploma or higher 96.4% Bachelor's or higher 9.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 12 9.5% Kindergarten 3 2.4% Elementary school 85 67.5% High school 18 14.3% College / grad school 8 6.3%
Employment
Industry of employment
Education & healthcare
21.4%
Transportation & utilities
15.0%
Arts, food & hospitality
10.7%
Agriculture & mining
6.8%
Professional & management
3.0%
Public administration
2.6%
Occupation
Category % Management, business & arts 33.8% Service 8.5% Sales & office 26.5% Natural resources & construction 10.7% Production & transportation 20.5%
Employment type
Type % Private sector 61.5% Government 21.4% Self-employed 17.1% Unpaid family workers 0.0%
Commute
Method % Drive alone 78.0% Carpool 5.2% Public transit 0.0% Walk 10.8% Work from home 6.0% Other means 0.0% Avg commute (minutes) 29.6
Poverty
Married-couple families
3.4%
Female-led households
11.1%
Income support
Source % of households Social Security 39.8% Retirement income 17.8% Supplemental Security 1.5% Cash public assistance 0.0% Food stamps / SNAP 4.5%
Health indicators
Condition % Obesity 35.4% High blood pressure 40.3% High cholesterol 37.7% Diabetes 12.0% Heart disease 8.7% Stroke 3.8% Asthma 7.9% Arthritis 30.5% Kidney disease 3.5% Pulmonary disease 7.3% Cancer 9.4%
Behavior / access % Smoking 15.7% Binge drinking 17.6% No physical activity 25.0% Less than 7 hrs sleep 28.6% Depression 15.4% Fair or poor health 13.3% Poor mental health 10.4% Poor physical health 10.1% No health insurance 12.7% Visited doctor (checkup) 73.5% Visited dentist 64.9% Cholesterol screening 90.8% Teeth loss 12.2%
Veterans & disability
Veterans Count % Civilian veterans 43 10.1%
Disability % Any disability 15.2% Under 18 0.0% 18–64 years 11.5% 65 and over 32.5%
Health insurance coverage
Type % Private insurance 73.6% Public insurance 38.9% No insurance 9.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 536 96.9% Spanish 2 0.4% Other Indo-European 2 0.4% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 550 99.5% Born in same state 550 99.5% Born in different state 407 73.6% Foreign born 0 0.0% Naturalized citizen 3 0.5% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 60 10.8% French 40 7.2% Arab 9 1.6%
Ancestry Count % Dutch 8 1.4% English 6 1.1% Polish 2 0.4%
Technology access
Metric % of households Computer access 47.7% Internet access 87.5%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 68777
What city is ZIP code 68777 in?
ZIP code 68777 is primarily assigned to Spencer, Nebraska.
What county is ZIP code 68777 in?
ZIP code 68777 falls within Boyd County, Nebraska.
Does ZIP code 68777 have an older population?
30% of residents in ZIP code 68777 are 65 or older, above the national average of ~17%.
How educated is the population of ZIP code 68777?
10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Does ZIP code 68777 have a large retiree population?
40% of households in ZIP code 68777 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 68777?
The median home value in ZIP code 68777 is $102,500.
What timezone is ZIP code 68777 in?
ZIP code 68777 observes the CST timezone.
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