ZIP Code 52728 — Buffalo city, IA Demographics & Data

ZIP code 52728 covers Buffalo, IA in Scott County with a population of about 987.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area code 563; U.S. House district IA-1; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 52728 is about $74,318 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.3%; unemployment rate near 2.1%; 9.8% of adults with a bachelor’s degree or higher (about 23.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Retail trade; about 3.5% of workers reporting work-from-home (about 11.7 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 $118,300 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $604 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 78.5% (about 13.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52728 in Buffalo, IA, a household would need roughly $33,000 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 $760. That sits below the local median household income ($74,318), 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 Buffalo city, IA as Relatively Moderate (composite score 84.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.4) and wildfire (52.2). 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 Buffalo city, IA show little to no average snow and around 38.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 57 for ZIP 52728 (Buffalo 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.