ZIP Code 50140 — Lamoni city, IA Demographics & Data

ZIP code 50140 covers Lamoni, IA in Decatur County with a population of about 2,817.

At a glance, the area shows median age of 30.6 versus a U.S. median of about 38.9.

It sits in telephone area code 641; U.S. House district IA-3; the DES MOINES - AMES media market.

Median household income in ZIP 50140 is about $54,000 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.4%; unemployment rate near 6.9%; 48.4% of adults with a bachelor’s degree or higher (about 14.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Healthcare; about 6.6% of workers reporting work-from-home (about 8.6 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 $120,300 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $488 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 60.3% (about 5.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50140 in Lamoni, IA, a household would need roughly $33,000 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 $773. That sits below the local median household income ($54,000), 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 Lamoni city, IA as Very Low (composite score 23.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (52.1) and flood (15.8). 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 Lamoni city, IA show little to no average snow.

IRS migration statistics show a net inflow of about 162 for ZIP 50140 (Lamoni 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.