ZIP Code 68854 — Overland CDP, NE Demographics & Data

ZIP code 68854 covers Overland, NE in Hamilton County with a population of about 679.

At a glance, the area shows median age of 44.0 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.

Median household income in ZIP 68854 is about $81,125 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 0.7%; 32.3% of adults with a bachelor’s degree or higher (about 1.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 3.4% of workers reporting work-from-home (about 11.8 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 $272,800 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $573 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 90.9% (about 25.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 68854 in Overland, NE, a household would need roughly $75,000 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 $1,752. That is roughly in line with the local median household income ($81,125). 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 Overland CDP, NE as Very Low (composite score 42.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (28.4) and flood (16.9). 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 Overland CDP, NE show little to no average snow and around 28.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 43 for ZIP 68854 (Overland CDP, 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.