ZIP Code 50029 — Bayard city, IA Demographics & Data

ZIP code 50029 covers Bayard, IA in Guthrie County with a population of about 612.

At a glance, the area shows median age of 47.3 versus a U.S. median of about 38.9.

It sits in telephone area code 712; U.S. House district IA-3; the DES MOINES - AMES media market.

Bayard, IA fits a retirement-oriented profile (high share of residents 65+ (35.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 50029 is about $44,531 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.3%; unemployment rate near 2.5%; 16.4% of adults with a bachelor’s degree or higher (about 17.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Retail trade; about 10.1% of workers reporting work-from-home (about 5.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $72,900 — about 79% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $496 (about 57% below the U.S. median rent ($1,163)), and owner-occupancy near 80.4% (about 15.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50029 in Bayard, IA, a household would need roughly $20,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $468. That sits below the local median household income ($44,531), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bayard city, IA as Very Low (composite score 26.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (39.1) and flood (22.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bayard city, IA show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 35 for ZIP 50029 (Bayard city, IA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.