| City: | Crystal Lake, Iowa |
| County: | Hancock County |
| Timezone: | Central (GMT -06:00) |
| Local Time: | 7:11:18 AM |
| Population: | 259 [See All] |
| Area Code: | 641 |
| Classification: | PO Box |
| Coordinates: | 43.2233, -93.7818 |
| Land Area: | 0.435 sq mi |
| Quick Link: |
Crystal Lake is a small rural community in north-central Iowa, about 0.43 square miles spanning Hancock County. With 259 residents and 103 households, this is a PO Box Only Zone. There's no alternative mail delivery across the town's territory.
The post office maintains 116 PO Boxes for 103 local households, a 1.13 adoption rate that means more than one box per household. Some boxes serve surrounding rural areas outside the ZCTA boundary. Others support residents who maintain multiple boxes for home and business use.
The one rural carrier route (R001) delivers to 47 addresses in the ZIP+4 data. PO Boxes remain the primary option for most residents.
Most homes date back generations. Of 135 total housing units, 113 were built before 1939. That's 84% of the housing stock. Streets follow a traditional numbered grid: 1st through 5th Streets running east-west, intersecting with State Avenue, Jefferson Avenue, and Lake Avenue. Two streets have apartment units (S State Avenue and E 2nd Street), but most addresses are single-family homes.
With 259 people spread across 103 households, the average household has 2.5 people. Typical family structure for a small Iowa town. Median age is 48.8 years, older than the national median but not unusual for rural communities.
Transportation and warehousing dominate local employment, with 108 workers in that sector. That doesn't mean there are 108 jobs in town (there are zero business establishments here). It means residents commute to jobs in trucking, distribution, or logistics elsewhere. Work-from-home employment is surprisingly high at 32.2%, seven workers out of 22 surveyed. Writers, remote professionals, or self-employed residents.
Median household income is $82,500, slightly above the state median. Median home value is $86,000. Affordable housing in an established community.
This is a PO Box Only Zone. All mail must be addressed to a PO Box in Crystal Lake, IA 50432. Street addressing isn't available for carrier delivery.
Streets follow a traditional numbered grid pattern (1st-5th Streets) with named avenues including State, Jefferson, Lake, Summit, and Park, typical of early 20th-century Iowa town planning.
ZIP Code 50432 has 259 residents and 103 households (average 2.51 persons per household). The median age is 48.8 years, significantly older than the state (38.6) and significantly older than the nation (38.8). The gender split is 50.2% male and 49.8% female, which is slightly higher than the national male share (49.1%). Largest groups are White (91.9%, much higher than the state average of 84.5% and well above the national average of 61.6%) and Hispanic or Latino (7.7%); Hispanic or Latino residents make up 7.7%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 259Source: Census DHC |
| 2024 ACS Population Estimate: | 283Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 595.4 people per sq mile |
| Average Income: | $66,875Source: Census ACS |
| Households: | 103Source: Census DHC |
| Average House Value: | $100,300Source: Census ACS |
| Persons Per Household: | 2.51Source: Census DHC |
| Average Family Size: | 3.47Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 223 | 209 | 190 | 172 | 185 | 202 | 235 | 246 | 230 | 264 | 265 | 261 | 229 | 283 |
| Decennial Census | 252 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 259 | -- | -- | -- | -- |
Median Age: 48.8
Male Median Age: 42.7
Female Median Age: 51.8
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 8 | 7 | 13 | 9 | 6 | 3 | 7 | 7 | 8 | 9 | 9 | 4 | 10 | 10 | 7 | 7 | 2 | 4 |
| Female | 2 | 9 | 6 | 7 | 2 | 5 | 9 | 10 | 3 | 5 | 10 | 12 | 13 | 9 | 11 | 7 | 4 | 5 |
| Total | 10 | 16 | 19 | 16 | 8 | 8 | 16 | 17 | 11 | 14 | 19 | 16 | 23 | 19 | 18 | 14 | 6 | 9 |
| White: | 238 | 90.15% |
| Black: | 1 | 0.38% |
| Hispanic:* | 20 | 7.58% |
| Asian: | 2 | 0.76% |
| American Indian: | 0 | 0% |
| Hawaiian: | 0 | 0% |
| Other: | 3 | 1.14% |
| Total: | 264 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 130 | 50.19% | 42.7 years |
| Females: | 129 | 49.81% | 51.8 years |
| Total: | 259 | 100% | 48.8 years |
| Native, born in the United States: | 283 | 100.00% |
| Native, born in PR, Island Areas, or abroad: | 0 | 0.00% |
| Foreign born, naturalized U.S. citizen: | 0 | 0.00% |
| Foreign born, not a U.S. citizen: | 0 | 0.00% |
| Total Population: | 283 | 100% |
| Total Native Population: | 283 | 100.00% |
| Total Foreign-born Population: | 0 | 0.00% |
In 2024, the Median household income is $66,875, which is considerably lower than the national median ($80,734), is up $32,153 (92.6%) since 2011 and above its 2019 pre-pandemic level by $25,625. Family households earn a median of $109,375 versus $40,000 for nonfamily households (a difference of $69,375). By gender, male median income is $60,833 and female is $55,938, which is modestly greater than the national female median ($55,274), with a current gap of $4,895 that has widened from 2011 to 2024. The labor-force participation rate is 68.0%, which is higher than the national rate (63.5%). The unemployment rate is 0.7%, which is far lower than the national rate (5.2%). The largest occupation group is Sales (30.7%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $34,722 | $34,659 | $37,750 | $35,139 | $34,432 | $34,712 | $35,313 | $37,115 | $41,250 | $65,000 | $75,500 | $71,250 | $82,500 | $66,875 |
| Median Family Income | $44,306 | $44,531 | $49,063 | $47,222 | $43,750 | $47,500 | $48,750 | $55,000 | $58,750 | $82,000 | $85,417 | $97,500 | $106,250 | $109,375 |
| Median NonFamily Income | $29,219 | $27,500 | $25,938 | $25,750 | $27,292 | $31,250 | $27,500 | $32,250 | $34,722 | $40,500 | $37,813 | $43,750 | $34,688 | $40,000 |
| Median Male Income | $31,667 | $33,750 | $35,625 | $36,250 | $35,469 | $37,321 | $36,591 | $41,458 | $41,667 | $50,069 | $52,566 | $48,333 | $58,542 | $60,833 |
| Median Female Income | $32,813 | $33,500 | $33,611 | $34,375 | $33,036 | $32,679 | $31,406 | $32,083 | $32,292 | $45,250 | $45,750 | $50,962 | $53,482 | $55,938 |
| Employed: | 150 | 67.57% |
| Unemployed: | 1 | 0.45% |
| Not In Labor Force: | 71 | 31.98% |
| Total: | 222 | 100% |
| Management, business, science, and arts: | 29 | 19.33% |
| Service: | 11 | 7.33% |
| Sales and Office: | 46 | 30.67% |
| Natural resources, construction, and maintenance: | 19 | 12.67% |
| Production, transportation, and material moving: | 45 | 30.00% |
| Total Civilian Employed Population: | 150 | 100% |
In 2024, the median home value is $100,300, which is far less than the national median ($332,700), is up $42,600 (73.83%) since 2011 and above its 2019 pre-pandemic level by $49,500. The median gross rent is $911, which is considerably lower than the national median ($1,413), is up $300 (49.10%) since 2011 and above its 2019 pre-pandemic level by $251. Of occupied housing, owners make up 85.82% (53.04% with a mortgage, 46.96% free-and-clear) and renters 14.18% - making this ZIP Code under national rental averages. The vacancy rate is 0.00%, which is considerably lower than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $57,700 | $55,600 | $54,700 | $56,500 | $48,600 | $53,300 | $58,000 | $60,800 | $50,800 | $69,600 | $79,000 | $80,000 | $86,000 | $100,300 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 16 | 84.21% |
| $1,000 to $1,499: | 0 | 0.00% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 3 | 15.79% |
| Total: | 19 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $611 | $613 | $400 | $394 | $413 | $395 | $460 | $546 | $660 | $529 | $725 | $700 | $830 | $911 |
| Owner Occupied (with mortgage): | 61 | 45.52% |
| Owner Occupied (free and clear, no mortgage): | 54 | 40.30% |
| Renter Occupied: | 19 | 14.18% |
| Total Occupied Housing Units: | 134 | 100% |
| Occupied Housing Units: | 134 | 100.00% |
| Vacant Housing Units (not graphed): | 0 | 0.00% |
| Total Housing Units: | 134 | 100% |
| Single-Family Units: | 128 | 95.52% |
| Multi-Family Units: | 3 | 2.24% |
| Other Units: | 3 | 2.24% |
| Total Housing Units: | 134 | 100% |
In 2024, 9.40% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.70%). High school or higher is 91.10%, which is comparable to the national rate (89.60%). The uninsured rate is 2.10%, which is far lower than the national rate (8.40%). Public coverage is 49.80%, which is well above the national rate (36.70%). The share of people in poverty is 14.80%, which is comparable to the national rate (8.80%), up 12.90 percentage points since 2011 and below its 2019 pre-pandemic level by 9.40 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is elementary (38.30%). College enrollment is 27.66%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 1 | 0.50% |
| 9th to 12th grade, no diploma: | 17 | 8.42% |
| High school graduate (includes equivalency): | 113 | 55.94% |
| Some college, no degree: | 34 | 16.83% |
| Associate's degree: | 18 | 8.91% |
| Bachelor's degree: | 17 | 8.42% |
| Graduate or professional degree: | 2 | 0.99% |
| Total: | 202 | 100% |
| High school or higher: | 184 | 91.09% |
| Bachelor's degree or higher: | 19 | 9.41% |
| Private Insurance: | 232 | 61.21% |
| Public Insurance: | 141 | 37.20% |
| No Insurance: | 6 | 1.58% |
| Total: | 379 | 100% |
| Has Health Insurance: | 373 | 98.42% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 3.1% | 4.9% | 5.3% | 4.0% | 12.0% | 18.5% | 17.2% | 16.7% | 25.4% | 11.1% | 10.1% | 11.4% | 16.0% | 14.8% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 1 | 2.13% |
| Kindergarten: | 10 | 21.28% |
| Elementary school (grades 1-8): | 18 | 38.30% |
| High school (grades 9-12): | 5 | 10.64% |
| College or graduate school: | 13 | 27.66% |
| Total: | 47 | 100% |
| Early Childhood: | 11 | 23.40% |
| K-12 (Primary & Secondary School): | 33 | 70.21% |
ZIP Code 50432 is designated for PO Box delivery only; business establishment and employment data are not available.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 119Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 0Source: CBP |
| 1st Quarter Payroll: | $0Source: CBP |
| Annual Payroll: | $0Source: CBP |
| # of Employees: | 0Source: CBP |
ZIP Code 50432 is located in Hancock County, Iowa, within the Metropolitan Statistical Area (CBSA ) and Iowa's 4th Congressional District. This area has a population of 0 people, about 0.00% of whom live in ZIP Code 50432. It covers 0.435 sq mi of land and a water area of 0 sq mi.
| CBSA Name: | --Source: Census |
| CBSA Number: | --Source: Census |
| CBSA Type: | --Source: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 0Source: Census |
| MSA: | Source: Census |
| Land Area: | 0.435 sq miSource: Census |
| Water Area: | --Source: Census |
| Congressional District: | 04Source: USPS |
| Congressional Land Area: | 22756.75 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 1917670Source: Census |
| Place Name: | Crystal Lake city; IowaSource: Census |
We could not locate which school district 50432 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on March 1, 2026.