ZIP Code 66408 — Bern city, KS Demographics & Data

ZIP code 66408 covers Bern, KS in Nemaha County with a population of about 250.

At a glance, the area shows median age of 33.5 versus a U.S. median of about 38.9.

It sits in telephone area code 785; U.S. House district KS-2; the TOPEKA media market.

Median household income in ZIP 66408 is about $112,583 — about 50% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 0.0%; 34.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Food services; about 1.2% of workers reporting work-from-home (about 14.0 points below the U.S. share (15.2%)); a mean commute of about 161.0 minutes (U.S. average near 26.8).

Median home value is about $151,000 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $521 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 91.7% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 66408 in Bern, KS, a household would need roughly $42,000 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 $970. That sits below the local median household income ($112,583), 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 Bern city, KS as Very Low (composite score 17.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (82.8) and flood (23.3). 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 Bern city, KS show little to no average snow.

IRS migration statistics show a net inflow of about 14 for ZIP 66408 (Bern city, KS) 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.