ZIP Code 51301 — Spencer city, IA Demographics & Data

ZIP code 51301 covers Spencer, IA in Clay County with a population of about 12,402.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area code 712; U.S. House district IA-4; the SIOUX CITY media market.

Spencer, IA is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 51301 is about $61,175 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 4.7%; 27.6% of adults with a bachelor’s degree or higher (about 6.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 6.4% of workers reporting work-from-home (about 8.8 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 $180,400 — about 48% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $667 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 69.5% (about 4.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51301 in Spencer, IA, a household would need roughly $50,000 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 $1,159. That sits below the local median household income ($61,175), 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 Spencer city, IA as Very Low (composite score 36.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (53.8) and wildfire (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 Spencer city, IA show little to no average snow and around 31.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 711 for ZIP 51301 (Spencer 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.