HomeIowaBlack Hawk CountyCedar Falls
Cedar Falls, Iowa: commercial real estate data.
Cedar Falls is a Census city of 40,888 people across 29.45 square miles of land, in Black Hawk County. Median household income is $76,987, 64.0 percent of occupied homes are owned, and the SBA record carries 67 7(a) approvals to borrowers here worth $23.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cedar Falls
What Cedar Falls is
- Census place typecity
- Land area29.45 sq mi
- Water area0.83 sq mi
- Population per square mile of land1,388
- County holding the largest share of its areaBlack Hawk County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Falls
How many people live in Cedar Falls
- Population40,888
- Median age29.3
- Population under 187,128
- Share under 1817.4 percent
- Population 65 and over6,557
- Share 65 and over16.0 percent
- Households15,908
- Family households8,435
- Share of households that are families53.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Falls
Income and work in Cedar Falls
- Median household income$76,987
- Per capita income$41,428
- Civilian labor force23,614
- Employed22,695
- Unemployed919 plus or minus 264
- Unemployment rate3.9 percent plus or minus 1.1
- Adults 25 and over22,547
- Adults 25 and over with a high school diploma or higher97.8 percent
- Adults 25 and over with a bachelor degree or higher50.4 percent
- Adults 25 and over with a graduate degree21.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Falls
Housing in Cedar Falls
- Housing units16,804
- Occupied units15,908
- Vacant units896 plus or minus 275
- Vacancy rate5.3 percent plus or minus 1.6
- Owner occupied10,175
- Renter occupied5,733
- Ownership rate64.0 percent
- Median owner-occupied home value$263,600
- Median gross rent, monthly$1,203
- Annual rent as a share of median income18.8 percent
- Single family units11,119
- Share single family66.2 percent
- Units in buildings of two or more5,103
- Share in buildings of two or more30.4 percent
- Mobile homes582 plus or minus 200
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Falls
How Cedar Falls gets to work
- Workers 16 and over who commute19,895
- Commuting under 15 minutes11,484
- Share commuting under 15 minutes57.7 percent
- Commuting 30 minutes or more1,314 plus or minus 266
- Share commuting 30 minutes or more6.6 percent
- Drove alone76.7 percent
- Carpooled5.5 percent plus or minus 1.3
- Public transport0.0 percent
- Walked5.8 percent
- Worked from home11.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Falls
SBA loans in Cedar Falls (7(a))
- Approvals67
- Gross approval$23,066,100
- Average approval$344,270
- Median approval$175,500
- Ninetieth percentile approval$600,680
- Largest approval$4,478,500
- Jobs supported923
- Jobs per approval13.8
- Loans with a final outcome27
- Paid in full25
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more4.5 percent
- Share to franchises13.4 percent
- Distinct lenders17
- Distinct industries by NAICS42
Counted by borrower city: approvals to borrowers whose address is in Cedar Falls, in any county, FY2020 to FY2026. Only 27 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar Falls
SBA loans in Cedar Falls (504)
- Approvals22
- Gross approval$8,464,000
- Average approval$384,727
- Median approval$302,000
- Largest approval$1,115,000
- Jobs supported129
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Cedar Falls, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cedar Falls
Flood risk in Cedar Falls
- NFIP communityCity of Cedar Falls
- NFIP community number190017
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date05/08/24
The City of Cedar Falls participates in the National Flood Insurance Program as community 190017 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Black Hawk County, not Cedar Falls
Black Hawk County context, not Cedar Falls figures
- Establishments in Black Hawk County3,105
- Covered employment, Black Hawk County70,886
- Average annual pay, Black Hawk County$59,631
- Housing units permitted, Black Hawk County289
Every figure in this section is published for Black Hawk County as a whole and is not a measurement of Cedar Falls.
All Black Hawk County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Cedar Falls questions, answered from the record.
How many people live in Cedar Falls, Iowa?
40,888, in 15,908 households. Cedar Falls city covers 29.45 square miles of land, which is 1,388 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cedar Falls in?
Black Hawk County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cedar Falls?
$76,987. The median owner-occupied home is valued at $263,600. Median gross rent is $1,203 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cedar Falls businesses?
67 7(a) approvals totaling $23.1 m since FY2020, across 17 lenders, median approval $175,500, plus 22 504 approvals worth $8.5 m since FY2010. These count approvals to borrowers whose address is in Cedar Falls, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cedar Falls borrowers get paid back?
No rate is published for Cedar Falls. Only 27 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cedar Falls in the National Flood Insurance Program?
Yes. Cedar Falls appears in the FEMA Community Status Book as Cedar Falls, city of, community 190017, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cedar Falls figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Black Hawk County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cedar Falls.
Is zoning published for Cedar Falls?
No. Nothing on this page presents parcel level zoning.
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