ZIP Code 68365 — Grafton village, NE Demographics & Data

ZIP code 68365 covers Grafton, NE in Fillmore County with a population of about 314.

At a glance, the area shows median age of 55.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 402, 531; U.S. House district NE-3; the LINCOLN & HSTNGS - KRNY media market.

Grafton, NE fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 68365 is about $76,500 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.6%; unemployment rate near 0.9%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Wholesale trade; about 8.5% of workers reporting work-from-home (about 6.7 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 $121,900 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.3% (about 29.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68365 in Grafton, NE, a household would need roughly $34,000 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 $783. That sits below the local median household income ($76,500), 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 Grafton village, NE as Very Low (composite score 20.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (30.2) and flood (8.4). 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 Grafton village, NE show little to no average snow and around 27.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 68365 (Grafton village, NE) 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.