| ZIP Code | 68777 |
|---|---|
| City | Spencer |
| State | Nebraska (NE) |
| County | Boyd County |
| Area Code | 402 |
| Elevation | 1,633 ft |
| Latitude | 42.860734 |
|---|---|
| Longitude | -98.687868 |
| Timezone | Chicago (DST) |
| FIPS | 31015 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 47.1 yrs ↓ 18% since 2019 |
|---|---|
| Avg Household Size | 2.09 |
| Below Poverty | 6.0% ▼ 40% below avg |
| College Grads | 29.5% ▼ 24% below avg |
| Unemployment | 0.4% ▼ 92% below avg |
| HS Graduate | 150 (38.8%) |
| Some College | 57 (14.7%) |
| Associates | 66 (17.1%) |
| Bachelors | 70 (18.1%) |
| Graduate Degree | 44 (11.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $59,938 ▼ 21% below avg ↑ 24% since 2019 |
|---|---|
| Median Home Value | $119,900 ▼ 57% below avg ↑ 44% since 2019 |
| Home/Income Ratio | 2.0x (nat avg ~3.5x) |
| Median Rent | $708/mo ↑ 27% since 2019 |
| Total Units | 392 |
| Vacant Units | 129 |
| Avg HH Size | 2.09 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 392 |
|---|---|
| Vacant | 129 |
| Owner Occupied | 72.6% |
| Renter Occupied | 27.4% |
| Avg HH Size | 2.09 |
ZIP code 68777 is located in Spencer, Nebraska, within Boyd County. With a population of 549, this is a sparsely populated ZIP code with a mature community — the median age is 47.1 years. Economically, 68777 is a solidly middle-class ZIP code: the median household income of $59,938 is below the national average.
Real estate in ZIP code 68777 represents one of the more affordable housing markets in the country. The median home value of $119,900 is well below the national average. Renters can expect to pay around $708 per month in median rent. Homeownership is strong here — 72.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 44% since 2019.
The population of 68777 is primarily White (97.45%). Residents are moderately educated — 29.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 6.0%. Household income has grown by 24% since 2019.
The unemployment rate in 68777 stands at 0.4%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 68777 in Spencer, NE is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 549 residents, a median household income of $59,938, and a median home value of $119,900, it offers a clear picture of life in this part of Nebraska.