Estimated median household income in 2008: $47,631
| This zip code: | $47,631 | | Iowa: | $48,980 |
Nearest zip codes: 50239, 50154, 50102, 50206, 50056, 50122.
Housing units in zip code 50278 with a mortgage: 119 (6 second mortgage, 11 home equity loan, 2 both second mortgage and home equity loan)
Houses without a mortgage: 95
Median monthly owner costs for units with a mortgage: $962
Median monthly owner costs for units without a mortgage: $348
Residents with income below the poverty level in 2008:
| This zip code: | 5.5% | | Whole state: | 11.5% |
Residents with income below 50% of the poverty level in 2008:
| This zip code: | 2.3% | | Whole state: | 4.9% |
Median number of rooms in houses and condos:
| Here: | 6.6 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 5.3 | | State: | 4.2 |
Year house built: |
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- 1999 to March 2000: 2
- 1995 to 1998: 2
- 1990 to 1994: 4
- 1980 to 1989: 13
- 1970 to 1979: 53
- 1960 to 1969: 42
- 1950 to 1959: 40
- 1940 to 1949: 25
- 1939 or earlier: 190
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Bedrooms in owner-occupied houses in Zearing, IA (50278): |
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- no bedroom: 0
- 1 bedrooms: 7
- 2 bedrooms: 47
- 3 bedrooms: 130
- 4 bedrooms: 77
- 5 or more bedrooms: 11
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 8
- 2 bedrooms: 26
- 3 bedrooms: 28
- 4 bedrooms: 4
- 5 or more bedrooms: 4
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Vehicles available in 50278 zip code in owner-occupied houses/condos: |
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- no vehicle: 8
- 1 vehicle: 46
- 2 vehicles: 112
- 3 vehicles: 72
- 4 vehicles: 23
- 5 or more vehicles: 11
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 6
- 1 vehicle: 29
- 2 vehicles: 20
- 3 vehicles: 8
- 4 vehicles: 0
- 5 or more vehicles: 7
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Estimated household income distribution in 2008:

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Estimate of home value of owner-occupied houses/condos in 2008 in zip code 50278:
- Less than $10,000: 3
- $10,000 to $14,999: 1
- $15,000 to $19,999: 3
- $20,000 to $24,999: 2
- $25,000 to $29,999: 2
- $30,000 to $34,999: 10
- $35,000 to $39,999: 9
- $40,000 to $49,999: 13
- $50,000 to $59,999: 6
- $60,000 to $69,999: 16
- $70,000 to $79,999: 21
- $80,000 to $89,999: 23
- $90,000 to $99,999: 16
- $100,000 to $124,999: 44
- $125,000 to $149,999: 33
- $150,000 to $174,999: 20
- $175,000 to $199,999: 11
- $200,000 to $249,999: 10
- $250,000 to $299,999: 9
- $300,000 to $399,999: 3
- $400,000 to $499,999: 2
- $500,000 to $749,999: 2
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Rent paid by renters in 2008 in zip code 50278:
- Less than $100: 3
- $100 to $149: 2
- $150 to $199: 2
- $200 to $249: 4
- $250 to $299: 12
- $300 to $349: 15
- $350 to $399: 11
- $400 to $449: 4
- $450 to $499: 2
- $600 to $649: 1
- $650 to $699: 2
- $900 to $999: 2
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Median price asked for vacant for-sale houses and condos in 2008: $33,078.
Estimated median house (or condo) value in 2008 for: - White Non-Hispanic householders: $98,500
Estimated median house or condo value in 2008: $107,403 (it was $70,000 in 2000)
| 50278: | $107,403 | | Iowa: | $120,700 |
Lower value quartile - upper value quartile: $65,915 - $148,456
Mean price in 2008:
Detached houses: $121,529| Here: | $121,529 | | State: | $151,372 |
Mobile homes: $35,833| Here: | $35,833 | | State: | $29,315 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 325
- Two: 6
- 3 or 4: 24
- 5 to 9: 10
- Mobile homes: 6

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Means of transportation to work
- Drove a car alone: 421 (84%)
- Carpooled: 40 (8%)
- Walked: 22 (4%)
- Other means: 2 (0%)
- Worked at home: 19 (4%)
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Travel time to work
- Less than 5 minutes: 57
- 5 to 9 minutes: 57
- 10 to 14 minutes: 43
- 15 to 19 minutes: 36
- 20 to 24 minutes: 42
- 25 to 29 minutes: 27
- 30 to 34 minutes: 135
- 35 to 39 minutes: 32
- 40 to 44 minutes: 22
- 45 to 59 minutes: 18
- 60 to 89 minutes: 8
- 90 or more minutes: 8
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Percentage of zip code residents living and working in this county: 80.2%
Household type by relationship
Households: 888
- In family households: 799 (220 male householders, 28 female householders)
234 spouses, 279 children (241 natural, 9 adopted, 29 stepchildren), 13 grandchildren, 0 brothers or sisters, 0 parents, 7 other relatives, 18 non-relatives
- In nonfamily households: 89 (49 male householders (42 living alone)), 33 female householders (31 living alone)), 7 nonrelatives
- In group quarters: 35 (all institutionalized)
Size of family households: 95 2-persons, 59 3-persons, 58 4-persons, 29 5-persons, 7 6-persons.
Size of nonfamily households: 73 1-person, 9 2-persons.
211 married couples with children.
28 single-parent households (7 men, 21 women).
97.5% of residents of 50278 zip code speak English at home.
1.3% of residents speak Spanish at home (82% very well, 9% well, 9% not well).
1.3% of residents speak Asian or Pacific Island language at home (55% well, 45% not well).
Foreign born population: 8 (0.8%)
(100.0% of them are naturalized citizens)
| This zip code: | 0.8% | | Whole state: | 3.1% |
Most common places of birth for the foreign-born residents:
Year of entry for the foreign-born population |
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- 1995 to March 2000: 3
- 1990 to 1994: 5
- 1985 to 1989: 0
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 0
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White population: 943
Black population: 1
American Indian population: 5
Asian population: 5
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 1
Two or more races population: 7
First ancestries reported:
|  German: 288 |
|  Norwegian: 98 |
|  United States or American: 86 |
|  English: 73 |
|  Irish: 51 |
|  French (except Basque): 28 |
|  Other groups: 25 |
|  Dutch: 22 |
|  Swedish: 16 |
|  Austrian: 14 |
|  Italian: 12 |
|  Scotch-Irish: 12 |
|  Czech: 11 |
|  Scottish: 9 |
|  Scandinavian: 8 |
|  French Canadian: 6 |
|  Celtic: 6 |
|  Danish: 5 |
|  Polish: 5 |
|  Portuguese: 4 |

facilities with environmental interests located in this zip code:
- COLO-NESCO MIDDLE SCHOOL (407 N CENTER in ZEARING, IA)
(Geographic Names Information System)
(National Center for Education Statistics) - STATE ID-851359 209
Organizations: COLO-NESCO COMM SCHOOL DISTRICT (SCHOOL DISTRICT)
- SERVICES DIVERSIFIED-FORMER SITE OF (PEARL & GRANT STS in ZEARING, IA)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Business NAICS classification: GENERAL AUTOMOTIVE REPAIR.
Median worth of mobile homes: $42,500
Housing units lacking complete plumbing facilities: 1%
Most commonly used house heating fuel: |
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- Utility gas (45%)
- Bottled, tank, or LP gas (44%)
- Electricity (6%)
- Fuel oil, kerosene, etc. (6%)
- Wood (1%)
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Place of birth for U.S.-born residents:
- This state: 763
- Northeast: 8
- Midwest: 94
- South: 21
- West: 29
60% of the 50278 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 59% lived in this county.
Out of people who lived in different counties, 70% lived in Iowa.
Population in 1990: 1,032. Population change in the 1990s: -70 (-6.8%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 2
| Here: | 2.0% | | Iowa: | 10.8% |
Students in private schools in grades 9 to 12 (high school): 1
| Here: | 1.4% | | Iowa: | 7.1% |
Students in private undergraduate colleges: 2
| Here: | 5.0% | | Iowa: | 25.4% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: Nursing Care Facilities (20-49 employees: 1 establishment)
- Wholesale Trade: Grain and Field Bean Merchant Wholesalers (10-19: 1)
- Wholesale Trade: Farm and Garden Machinery and Equipment Merchant Wholesalers (5-9: 1, 1-4: 1)
- Finance and Insurance: Commercial Banking (5-9: 1)
- Other Services (except Public Administration): General Automotive Repair (1-4: 2)
- Construction: New Single-Family Housing Construction (except Operative Builders) (1-4: 1)
- Construction: Framing Contractors (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
33 people in nursing homes
2 people in other noninstitutional group quarters
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $75,233 | 9 | $108,224 | 14 | $73,285 | 11 | $49,711 | 3 | $42,483 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $66,930 | 0 | $0 | 4 | $150,765 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $54,110 | 21 | $125,550 | 7 | $82,591 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $10,680 | 8 | $128,694 | 0 | $0 | 1 | $10,680 | 1 | $10,680 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $49,840 | 4 | $142,400 | 1 | $86,860 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $68,708 | 19 | $89,675 | 26 | $102,364 | 6 | $30,735 | 3 | $80,693 | 1 | $51,260 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $49,840 | 2 | $90,425 | 5 | $60,662 | 0 | $0 | 1 | $135,280 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $96,120 | 8 | $56,159 | 20 | $84,550 | 1 | $46,280 | 3 | $21,833 | 1 | $12,820 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $81,525 | 7 | $82,796 | 1 | $69,780 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 6 | $85,440 | 1 | $14,240 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $87,580 | 19 | $82,292 | 28 | $78,829 | 5 | $27,910 | 2 | $52,330 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $118,190 | 8 | $78,854 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 7 | $74,861 | 18 | $82,117 | 5 | $32,324 | 1 | $7,830 | 2 | $49,130 |
| APPLICATIONS WITHDRAWN | 1 | $44,140 | 2 | $79,030 | 12 | $95,230 | 1 | $70,490 | 0 | $0 | 1 | $48,420 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $59,100 | 4 | $95,408 | 1 | $12,820 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $91,315 | 16 | $76,540 | 23 | $84,542 | 6 | $22,072 | 1 | $136,700 | 4 | $26,878 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 | 2 | $100,035 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $102,170 | 12 | $91,136 | 5 | $13,956 | 0 | $0 | 0 | $0 | 1 | $44,860 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 1 | $103,240 | 1 | $12,820 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 1 | $26,340 | 1 | $32,040 | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0105.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $126,020 | 1 | $135,280 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $137,060 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $103,524 | 4 | $76,185 | 1 | $76,900 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $108,935 | 1 | $122,460 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $93,806 | 1 | $130,300 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $142,400 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $58,242 | 1 | $46,990 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $67,640 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0105.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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