ZIP Code 51331 — Arnolds Park city, IA Demographics & Data

ZIP code 51331 covers Arnolds Park, IA in Dickinson County with a population of about 920.

At a glance, the area shows median age of 63.8 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.

Arnolds Park, 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 51331 is about $84,615 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 0.5%; 42.0% of adults with a bachelor’s degree or higher (about 8.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Healthcare, and Manufacturing; about 13.7% of workers reporting work-from-home (about 1.5 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 $415,800 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $568 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 87.5% (about 22.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51331 in Arnolds Park, IA, a household would need roughly $114,000 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 $2,671. That is about 35% above the local median household income ($84,615), so the median earner would likely stretch or need a larger down payment. 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 Arnolds Park city, IA as Very Low (composite score 36.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (54.2) and flood (49.9). 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 Arnolds Park city, IA show little to no average snow and around 29.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 53 for ZIP 51331 (Arnolds Park 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.