ZIP Code 52631 — Houghton city, IA Demographics & Data

ZIP code 52631 covers Houghton, IA in Lee County with a population of about 76.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area code 319; U.S. House district IA-1; the QUINCY - HANNIBAL - KEOKUK media market.

Median household income in ZIP 52631 is about $104,375 — about 39% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 45.3% of adults with a bachelor’s degree or higher (about 11.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Manufacturing; about 11.4% of workers reporting work-from-home (about 3.8 points below the U.S. share (15.2%)); a mean commute of about 31.0 minutes (U.S. average near 26.8).

Median home value is about $237,500 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52631 in Houghton, IA, a household would need roughly $65,000 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 $1,526. That sits below the local median household income ($104,375), 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 Houghton city, IA as Relatively Low (composite score 62.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (70.4) and wildfire (48.7). 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 Houghton city, IA show limited published climate normals on US5.

IRS migration statistics show a net inflow of about 4 for ZIP 52631 (Houghton 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.