Population & age
- Total population
- 93
- Median age
- 54.8
Fostoria, IA (51340)
Clay County · Population 93
Fresh.Data current as of Apr 24, 2026
Fostoria, IA (ZIP 51340) sits in Clay County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.3%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $7,392. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 16th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Only 4.9% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Dickinson County, IA (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $80,000, fair market rent of $920 for a two-bedroom, and a typical home value of $145,861, up 8.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 93.5%
- Black
- 1.1%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
- Other / multi-racial
- 3.2%
Income & housing
- Median household income
- $80,000
- Median home value
- $82,000
Education
- Bachelor's degree or higher (age 25+)
- 30.7%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 48(96.0%)
- Renter-occupied
- 2(4.0%)
- Vacant units
- 3
- Built (median)
- 1949
Commute
- Public transit
- 0(0.0%)
- Work from home
- 3(4.2%)
- Avg commute
- 18.0 min
Economic wellbeing
- Below poverty line
- 0(0.0%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 46(92.0%)
- No broadband
- 4(8.0%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$680
/month
1 Bed
$700
/month
2 Bed
$920
/month
3 Bed
$1,200
/month
4 Bed
$1,220
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$145,861
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+8.2%
vs. March 2025
Metro area
Spencer, IA
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
9
Across 9 permitted buildings. Total construction value: $3.0M.
Single-family
9
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$3.0M
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business & employment
Business establishments
4
Total employment
19
Annual payroll
$1.2M
Average annual pay
$64,947
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$53,504
Average weekly wage
$1,029
Total employment
8,534
Total establishments
742
That is roughly 18% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.2%
That is 0.8 percentage points below the US national unemployment rate of about 4.0%.
Labor force
8,798
Employed
8,515
Unemployed
283
Based on Clay County, IA data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$60.9M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
- 1.Farmers Savings Bank$60.9M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federal Disaster Declarations
Federally Declared Disasters
21
Date Range
1965–2024
Most Recent Declaration
SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES
Severe Storm — declared June 24, 2024 (DR-4796)
Incident period: June 16, 2024 – July 23, 2024
Top Incident Types
- Severe Storm9 (43%)
- Flood7 (33%)
- Biological2 (10%)
- Snowstorm1 (5%)
- Hurricane1 (5%)
- Other1 (5%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
21
Repair of public facilities & roads
Hazard Mitigation
12
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
46.1°F
35.6° – 56.6°
Annual precipitation
31"
Annual snowfall
43.3"
Heating · cooling days
7,560.4 · 712.6
Annual base 65°F
Nearest station: SPENCER 1 N, IA US, 5.2 miles from the centroid of Fostoria, IA (ZIP 51340)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
7,924
That is roughly 276 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
15%
of adults self-report
Poor physical health days
3.8
avg per adult per month
Poor mental health days
4.9
avg per adult per month
Uninsured
4.9%
of residents under 65
Primary care MDs
85
per 100,000 residents
Preventable hospital stays
2,221
per 100K Medicare enrollees
Food environment (0-10)
8.5
10 = best access & security
Exercise access
75%
residents near a facility
Flu vaccinated
55%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.0% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Clay data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
14.8% of Clay County, IA residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.19
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.04
accepting food benefits
Fast-food restaurants
1.00
per 1,000 residents
Among low-income residents, 4.6% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Clay County, IA for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 2 reports
Property crime rate
—
per 100K residents · 11 reports
Homicide
0
Robbery
0
Burglary
5
Vehicle theft
1
County-level data for Clay (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+49 people
+27 households • −$1.2M net AGI flow
Moved in
604households
973 people • $32.6M AGI
Moved out
577households
924 people • $33.7M AGI
Where new residents came from
- Dickinson County, IA — 70 households
- O'Brien County, IA — 26 households
- Buena Vista County, IA — 21 households
- Palo Alto County, IA — 21 households
Where departing residents went
- Dickinson County, IA — 42 households
- Buena Vista County, IA — 36 households
- Palo Alto County, IA — 34 households
- O'Brien County, IA — 21 households
Incoming households reported an average AGI of $53,950 versus departing households' $58,471.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Iowa
State-level rules that apply to every resident of ZIP 51340. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.94%
State 6.00% · avg local 0.94%
Property tax (effective)
1.54%
Median $1,695/year
Tax burden rank
37 of 50
11.00% of personal income
For ZIP 51340: Applied to this ZIP's typical home value of $145,861, that works out to roughly $2,252/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
160% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). Asset limit $15,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 51340
Nearby ZIPs by distance
51351 (Milford, 5.3 mi) · 51301 (Spencer, 6 mi) · 51331 (Arnolds Park, 8.3 mi) · 51338 (Everly, 8.5 mi) · 51355 (Okoboji, 10.3 mi) · 51364 (Terril, 10.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
34.7%
Tracks close to the 33.0% national rate.
High Blood Pressure
38.5%
6.5pp above the 32.0% national rate.
Depression
19.7%
2.3pp below the 22.0% national rate.
Annual Checkup
80.0%
4.0pp above the 76.0% national rate.
Health Insurance
6.3%
6.7pp below the 13.0% national rate.
Diabetes
12.9%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$7,392
Median earnings (10 yr)
$33,446
- 2-Year
Iowa Lakes Community College
Estherville, IA · 51334
- In-state tuition
- $7,392
- Out-of-state tuition
- $7,872
- Acceptance rate
- —
- Graduation rate
- 36.0%
- Median earnings (10 yr)
- $43,108
- Median student debt
- $12,000
- Certificate
Faust Institute of Cosmetology-Spirit Lake
Spirit Lake, IA · 51360
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $23,784
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Fostoria, IA (ZIP 51340) sits in Clay County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 6.3%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $7,392. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 16th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Only 4.9% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Dickinson County, IA (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $80,000, fair market rent of $920 for a two-bedroom, and a typical home value of $145,861, up 8.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 19.7%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 51340
What is the obesity rate in ZIP 51340?
34.7%, which is 1.7 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 51340?
19.7%, which is 2.3 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 51340?
38.5%, which is 6.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 51340?
93 people live in ZIP 51340, with a median age of 54.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 51340?
$80,000 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 51340 mostly renters or homeowners?
In ZIP 51340, 96.0% of occupied housing units are owner-occupied and 4.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 51340?
In ZIP 51340, 4.2% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 51340?
0.0% of the population in ZIP 51340 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 51340 have broadband internet?
92.0% of households in ZIP 51340 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 51340?
The typical home value in ZIP 51340 is $145,861, up 8.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 51340?
Home values are up 8.2% over the past year (Zillow Home Value Index, retrieved May 1, 2026).
How many businesses are in ZIP 51340?
As of 2022, 4 business establishments operated in ZIP 51340 employing 19 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 51340?
The average annual pay across all local establishments in ZIP 51340 is $64,947, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 51340 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 51340 ranks in the 16th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 51340?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 51340, ranking in the 48th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 51340 experienced?
FEMA has recorded 21 federal disaster declarations affecting ZIP 51340 between 1965–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 51340?
Severe Storm is the most common federally declared disaster type affecting ZIP 51340, accounting for 9 of 21 declarations (43%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 51340?
The most recent FEMA disaster declaration affecting ZIP 51340 was "SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES" — a severe storm declared in 2024 (DR-4796) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 51340?
2 colleges and universities are listed near ZIP 51340 by the U.S. Department of Education College Scorecard, including Iowa Lakes Community College and Faust Institute Of Cosmetology-Spirit Lake (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 51340?
Median in-state tuition across 2 nearby institutions is $7,392 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 51340?
Graduates of nearby colleges earn a median of $33,446 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 51340?
ZIP 51340 has an average annual temperature of 46.1°F and 31.0" of annual precipitation based on the SPENCER 1 N, IA US weather station 5.2 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 51340?
Iowa has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.94% (Tax Foundation 2025).
Does Iowa have paid family leave?
Iowa has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 51340?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (2 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (21 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (21 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 51340
Nearby ZIPs by distance
51351 (Milford, 5.3 mi) · 51301 (Spencer, 6 mi) · 51331 (Arnolds Park, 8.3 mi) · 51338 (Everly, 8.5 mi) · 51355 (Okoboji, 10.3 mi) · 51364 (Terril, 10.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 51340?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
16th percentile
Low Vulnerability
Based on 1 census tract, population 1
Vulnerability Themes
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.