ZIP Code 50431 — Coulter city, IA Demographics & Data

ZIP code 50431 covers Coulter, IA in Franklin County with a population of about 251.

At a glance, the area shows median age of 29.5 versus a U.S. median of about 38.9.

It sits in telephone area code 641; U.S. House district IA-4; the DES MOINES - AMES media market.

Median household income in ZIP 50431 is about $58,125 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.5%; unemployment rate near 3.2%; 7.8% of adults with a bachelor’s degree or higher (about 26.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Healthcare; about 6.7% of workers reporting work-from-home (about 8.5 points below the U.S. share (15.2%)); a mean commute of about 84.0 minutes (U.S. average near 26.8).

Median home value is about $82,000 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $447 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 50431 in Coulter, IA, a household would need roughly $23,000 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 $527. That sits below the local median household income ($58,125), 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 Coulter 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 flood (14.0) and hurricane (11.6). 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 Coulter city, IA show little to no average snow and around 38.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 50431 (Coulter 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.