ZIP Code 50104 — Gibson city, IA Demographics & Data

ZIP code 50104 covers Gibson, IA in Keokuk County with a population of about 99.

At a glance, the area shows median age of 63.1 versus a U.S. median of about 38.9.

It sits in telephone area code 641; U.S. House district IA-1; the CEDAR RAPIDS - WTRLO - IWC&DUB media market.

Gibson, IA fits a retirement-oriented profile (high share of residents 65+ (40.4%)). 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 50104 is about $57,083 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 18.2%; 10.1% of adults with a bachelor’s degree or higher (about 23.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Wholesale trade, and Retail trade; a mean commute of about 45.0 minutes (U.S. average near 26.8).

Median home value is about $191,700 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $563 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 80.0% (about 14.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50104 in Gibson, IA, a household would need roughly $53,000 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 $1,231. That is roughly in line with the local median household income ($57,083). 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 Gibson city, IA as Very Low (composite score 21.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (44.4) and flood (29.6). 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 Gibson city, IA show little to no average snow and around 37.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 6 for ZIP 50104 (Gibson 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.