ZIP Code 68409 — Murray village, NE Demographics & Data

ZIP code 68409 covers Murray, NE in Cass County with a population of about 656.

At a glance, the area shows median age of 42.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 402, 531; U.S. House district NE-1; the OMAHA media market.

Median household income in ZIP 68409 is about $88,636 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 4.8%; 27.1% of adults with a bachelor’s degree or higher (about 6.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Construction; about 4.7% of workers reporting work-from-home (about 10.5 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 $222,700 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $843 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 85.0% (about 19.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68409 in Murray, NE, a household would need roughly $61,000 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 $1,431. That sits below the local median household income ($88,636), 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 Murray village, NE as Very Low (composite score 31.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (74.1) 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 Murray village, NE show little to no average snow and around 33.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 42 for ZIP 68409 (Murray 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.