Dell $250 ZIP Code Lookup
Children born 2016–2024 in qualifying ZIP codes get a $250 Dell Foundation deposit. Check yours.
How the Dell Foundation ZIP test works
The Michael and Susan Dell Foundation pledged one of the largest philanthropic gifts in history to jump-start children's 530A accounts: a $250 deposit for children born between 2016 and 2024 who live in ZIP codes where the median household income is $150,000 or less. That threshold is generous by design; it covers the vast majority of U.S. ZIP codes, so if you're checking this page, odds are good your answer is yes. The gift targets kids who missed the federal seed window: 530A accounts, created under the One Big Beautiful Bill Act and officially marketed by the federal government as "Trump Accounts," launched on July 4, 2026, with a $1,000 Treasury seed only for children born 2025–2028, and the Dell gift extends a smaller head start to the 2016–2024 cohort. See the Treasury announcement on philanthropic contributions and program details at the official federal portal.
Our lookup uses five-year median household income estimates from the U.S. Census Bureau's American Community Survey. The data is organized by ZIP Code Tabulation Area (ZCTA), which does not always match postal ZIP boundaries. Census estimates also include margins of error, especially in areas with smaller populations. For those reasons, results say "likely." The Dell Foundation's official eligibility decision is the one that counts.
If your ZIP qualifies, your next steps are simple: confirm the rest of your child's eligibility with the eligibility checker, open the account by filing Form 4547, and see what $250 plus steady contributions grows into with the growth calculator. If your ZIP doesn't qualify, the account is still worth a look; the contribution maximizer shows what compounding does even without seed money.
How to interpret a borderline result
The lookup compares the available ZCTA income estimate with the published $150,000 threshold. A result near that line deserves extra caution because a ZCTA is a statistical geography, not a postal delivery route, and the underlying survey estimate has a margin of error. Moving, using a newly created ZIP, or living in an area that does not map cleanly to a ZCTA can also make a local estimate differ from the program's decision.
We do not ask for household income and the tool does not transmit the entered ZIP with calculator data to our servers. The local data file produces an informational “likely” result. Do not delay enrollment or assume a deposit has been approved because of this lookup; follow the official account process and check the account's status after activation.
Why the lookup does not ask for family income
The published geographic test uses the median income assigned to an area, not the visitor’s personal earnings. Asking for household income would not improve this estimate and would collect sensitive information the tool does not need. Two households with very different incomes can therefore receive the same ZIP result, while nearby ZIPs can fall on different sides of the threshold.
The result also does not establish residency on the program’s required date or verify the child’s birth-year and account requirements. Use it with the eligibility checker, then rely on the official administrator or foundation decision. If the program later publishes a definitive ZIP list or a different data vintage, the local dataset and visible review date should be updated together.