ZIP Code 68512 — Lincoln city, NE Demographics & Data

ZIP code 68512 covers Lincoln, NE in Lancaster County with a population of about 13,668.

At a glance, the area shows median age of 38.8 (near the U.S. median).

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

Median household income in ZIP 68512 is about $101,828 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 3.3%; 51.2% of adults with a bachelor’s degree or higher (about 17.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 10.9% of workers reporting work-from-home (about 4.3 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 $295,900 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,119 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 65.1% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68512 in Lincoln, NE, a household would need roughly $81,000 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 $1,901. That sits below the local median household income ($101,828), 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 Lincoln city, NE as Relatively Moderate (composite score 90.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (93.7) and flood (85.5). 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 Lincoln city, NE show little to no average snow and around 29.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 873 for ZIP 68512 (Lincoln city, 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.