ZIP Code 51545 — River Sioux CDP, IA Demographics & Data

ZIP code 51545 covers River Sioux, IA in Harrison County with a population of about 258.

At a glance, the area shows median age of 58.9 versus a U.S. median of about 38.9.

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

River Sioux, 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 51545 is about $67,083 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 6.1%; 7.7% 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 Transportation, Healthcare, and Administrative support; about 23.7% of workers reporting work-from-home (about 8.5 points above the U.S. share (15.2%)); a mean commute of about 71.0 minutes (U.S. average near 26.8).

Median home value is about $81,300 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $310 (about 73% below the U.S. median rent ($1,163)), and owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51545 in River Sioux, IA, a household would need roughly $22,000 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 $522. That sits below the local median household income ($67,083), 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 River Sioux CDP, IA as Very Low (composite score 31.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (59.8) and flood (37.0). 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 River Sioux CDP, IA show little to no average snow and around 39.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 51545 (River Sioux CDP, 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.