ZIP Code 69146 — Lemoyne CDP, NE Demographics & Data

ZIP code 69146 covers Lemoyne, NE in Keith County with a population of about 241.

At a glance, the area shows median age of 66.4 versus a U.S. median of about 38.9.

It sits in telephone area code 308; U.S. House district NE-3; the DENVER media market.

Lemoyne, NE fits a retirement-oriented profile (high share of residents 65+ (55.2%)). 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 69146 is about $44,375 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 0.0%; 7.9% of adults with a bachelor’s degree or higher (about 25.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Other services, and Transportation; about 30.5% of workers reporting work-from-home (about 15.3 points above the U.S. share (15.2%)); a mean commute of about 41.0 minutes (U.S. average near 26.8).

Median home value is about $189,400 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.3% (about 21.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 69146 in Lemoyne, NE, a household would need roughly $52,000 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 $1,217. That is about 17% above the local median household income ($44,375), so the median earner would likely stretch or need a larger down payment. 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 Lemoyne CDP, NE as Very Low (composite score 13.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (66.8) and flood (15.3). 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 Lemoyne CDP, NE show little to no average snow and around 19.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 69146 (Lemoyne 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.