50401Mason City, Iowa

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 50401.

53out of 100
Area Score
Bottom 27% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 47% of 6,210 published ZIP areas56
Schools2955th of 4,422 published ZIP areas38
Growth5198th of 5,428 published ZIP areas15
Housing affordabilityTop 9% of 6,685 published ZIP areas100
Climate6580th of 6,789 published ZIP areas54
Physical resilience3698th of 6,709 published ZIP areas52
Access6233rd of 6,791 published ZIP areas64
Economic stability4226th of 6,742 published ZIP areas53
The quick read

Unemployment is 3.3% and median household income $66,072, putting employment conditions in the middle range of published ZIP profiles.

Residential permitting has slowed: 2 units authorized over the past twelve months, 96% below the prior year.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 16% of median household income and the median home is 2.2 times it.

At a glance

Population
28,703
2024 ACS 5-Year
Median household income
$66,072
Bottom 41% nationally
Density
194/sq mi
148.2 sq mi of land
Median age
42.2
2024 ACS 5-Year
City
Mason City
Iowa
Metro area
Mason City, IA
Nearest major airport
ALO
58 mi · Waterloo Rgnl
Median home value
$146,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.3% is lower than 91% of the 6,544 measured US ZIP areas.

Employment fell 1.7% over the past year, to 14,124 employed residents.

MetricValueCompared with peersSource period
Median household income ±$3,104$66,072Bottom 41%2024 ACS 5-Year
Per capita income ±$1,643$37,886Top 45%2024 ACS 5-Year
Poverty rate11.4%Top 46%2024 ACS 5-Year
Average commute15.2 minBottom 4%2024 ACS 5-Year
Bachelor's degree or higher21.4%Bottom 45%2024 ACS 5-Year
Employment14,124Bottom 9%June 2026
Employment change (3 years)0.4%Top 44%June 2026
Employment change (year over year)-1.7%Bottom 28%June 2026
Labor force14,609Bottom 8%June 2026
Labor force participation63.5%Top 39%2024 ACS 5-Year
Unemployment change (year over year)-0.4%Bottom 23%June 2026
Unemployment rate3.3%Bottom 9%June 2026
Median household income, successive ACS releases
202120222023202466k57k
Each point is a separate five-year estimate, most recently $66,072 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Mason City, IA, the city containing this ZIP code.

54% of students met the state standard in mathematics and 56% in reading, across the schools here that reported results.

There are 14.1 students for every full-time teacher, fewer than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
14.1
across all schools here
Math proficiency
53.8%
Bottom 28% in Iowa
Reading proficiency
56.5%
Bottom 35% in Iowa
SchoolDistrictStudentsPer teacherMathReading
Mason City High SchoolMason City Comm School District89116.8
Lincoln IntermediateMason City Comm School District48513.137%52%
John Adams Middle SchoolMason City Comm School District46314.052%57%
Harding Elementary SchoolMason City Comm School District38714.956%53%
Hoover Elementary SchoolMason City Comm School District36113.449%49%
Roosevelt Elementary SchoolMason City Comm School District34812.464%66%
Jefferson Elementary SchoolMason City Comm School District29211.276%66%
Alternative SchoolMason City Comm School District9118.2

48.2% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Iowa’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $875 takes 16% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.2 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
15.9%
Below the 30% cost-burdened threshold
Home price to income
2.2×
median home value ÷ median income
Median gross rent
$875
2024 ACS 5-Year
Median home value
$146,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.22Bottom 21%2024 ACS 5-Year
Homeownership rate66.3%Bottom 23%2024 ACS 5-Year
Housing units ±23314,875Top 8%2024 ACS 5-Year
Median gross rent ±$55$875Bottom 34%2024 ACS 5-Year
Median home value ±$8,718$146,500Bottom 25%2024 ACS 5-Year
Rent as a share of income15.9%Bottom 37%2024 ACS 5-Year
Vacancy rate10.4%Bottom 48%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
15/ 100
Ranks 5198 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.1 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
2
12 months ending July 2026
Per 1,000 residents
0.1
Bottom 5% nationally
Year over year
−96%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Mason City, IA, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 83°F and January a low of 7°F.

Normal annual precipitation is 36.3 inches, including 44.4 inches of snow.

0°20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MASON CITY MUNI AP, 6.4 miles from this location.
Precipitation
JFMAMJJASOND5.4"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation36.3"1991-2020 Normals
Annual snowfall44.4"1991-2020 Normals
Average January low7°F1991-2020 Normals
Average July high83°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing56°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

52 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and drought.

DroughtElevated
TornadoElevated
Cold waveElevated
Strong windModerate
Inland floodingModerate
LightningModerate
Heat waveModerate

Low or minimal exposure: winter weather, hail, ice storm, landslide, wildfire, earthquake, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Cerro Gordo County records 0.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 8.9 per 100,000 residents in Cerro Gordo County.

Homicide
0.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.9
per 100,000 residents · under 10 deaths
Drug overdose
8.9
per 100,000 residents · under 10 deaths
Suicide
16.7
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Cerro Gordo County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 50401 rather than 50401 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

2 major airports lie within 100 miles, the nearest 58 miles away.

AirportCodeDistanceLongest runway
Waterloo RgnlALO58 mi8,399 ft
Rochester IntlRST63 mi9,034 ft
La Crosse RgnlLSE109 mi8,742 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
53
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

50401 vs Mason City

How this ZIP area compares with Mason City as a whole. Both figures come from the same ACS release, so the comparison is like for like.

50401
Mason City
Median household income
$66,072
vs
$64,804
Per capita income
$37,886
vs
$37,494
Population density
194/sq mi
vs
959/sq mi
Median home value
$146,500
vs
$142,000
Median gross rent
$875
vs
$882
Homeownership rate
66.3%
vs
65.5%
Bachelor's degree or higher
21.4%
vs
20.8%
Poverty rate
11.4%
vs
12.0%
Median age
42.2
vs
42.5

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.