Floyd County, Iowa: commercial real estate data.
Floyd County, Iowa had an estimated 15,008 residents on July 1, 2024, down 4.0 percent since the 2020 census base of 15,627, across 501 square miles. County output reached $1.17 bn in 2024, 371 establishments operate here, and the SBA record carries 11 7(a) approvals worth $4.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Floyd County
How many people live in Floyd County
- Population, American Community Survey 2020-202415,328
- Households6,503
- Average household size2.36
- Median household income$68,557
- Median age43.5
- Median gross rent$745 per month
- Median owner-occupied home value$143,500
- Home value to household income2.1 times
- Annual rent as a share of median income13.0 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree4.8 percent
- Adults 25 and over10,617
- Population under 183,478
- Share under 1822.7 percent
- Population 65 and over3,526
- Share 65 and over23.0 percent
- Working age population, 18 to 648,324
- Civilian labor force7,646
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over64.5 percent
- Rank by population among Iowa counties49th of 99
- Rank by population among US county-equivalents, Puerto Rico included2140th of 3,222
Floyd County is the 49th largest of 99 Iowa counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.0 percent against 22.7 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Floyd County
Is Floyd County's population growing?
- Population, July 1, 202415,008
- Census 2020 base population15,627
- Population change since the 2020 census base-3.96 percent
- Population change, 2023 to 2024-258
- Births, 2024155
- Deaths, 2024219
- Natural change, 2024-64
- Net domestic migration, 2024-194
- Net international migration, 20240
- Total net migration, 2024-194
- Cumulative net domestic migration, 2021 to 2024-331
- Rank by growth among US county-equivalents2896th of 3,144
The county has lost 3.96 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Floyd County
Where are people moving to Floyd County from?
- Tax returns filed by households arriving371
- People arriving, from those returns697
- Tax returns filed by households leaving349
- Net household movement22
- Adjusted gross income arriving$17.5 m
- Net adjusted gross income movement$2.0 m
- Average income of an arriving household$47,280
- Average income of a leaving household$44,496
- Largest single originCerro Gordo County (56 households)
- Largest single destinationCerro Gordo County (62 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cerro Gordo County | 56 | 107 | $2.5 m |
| Chickasaw County | 43 | 73 | $2.1 m |
| Mitchell County | 21 | 34 | $1.1 m |
| Black Hawk County | 20 | 41 | $716,000 |
Households arriving report $2,784 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Cerro Gordo County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Floyd County
What is the Floyd County economy?
- County GDP, 2024$1.17 bn
- County GDP, 2023$1.11 bn
- GDP change, 2023 to 20245.1 percent
- GDP change over five years46.8 percent
- Rank by GDP among the Iowa areas BEA publishes42nd of 99
- Rank by GDP among the US county areas BEA publishes1712th of 3,127
- GDP per resident$76,031
Output grew 5.1 percent in the latest year and 46.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Floyd County
Employment by industry in Floyd County
- Covered employment, annual average5,716
- Establishments reporting478
- Average annual pay$54,987
- Average weekly wage$1,057
- Manufacturing, employment1,526
- Manufacturing, average annual pay$76,167
- Retail trade, employment728
- Retail trade, average annual pay$33,392
- Accommodation and food services, employment284
- Accommodation and food services, average annual pay$15,578
- Wholesale trade, employment237
- Wholesale trade, average annual pay$73,661
- Finance and insurance, employment212
- Construction, employment186
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,526 | 26 | $76,167 |
| Retail trade | 728 | 56 | $33,392 |
| Accommodation and food services | 284 | 23 | $15,578 |
| Wholesale trade | 237 | 34 | $73,661 |
| Finance and insurance | 212 | 30 | $69,831 |
| Construction | 186 | 33 | $68,460 |
| Other services, except public administration | 146 | 36 | $41,810 |
| Agriculture, forestry, fishing and hunting | 120 | 20 | $50,182 |
Manufacturing is the largest private sector at 1,526 jobs, 26.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Floyd County
How many businesses are in Floyd County?
- Establishments, all industries371
- Employment at those establishments5,199
- Annual payroll$266.8 m
- Establishments per 1,000 residents24.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Floyd County
Building permits in Floyd County
- Housing units authorized by permit, 202422
- Declared construction value permitted$5.9 m
- Single family units authorized22
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$266,312
- Units authorized per 1,000 households3.4
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Floyd County
SBA loans in Floyd County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$4.4 m
- Average 7(a) approval$397,682
- Median 7(a) approval$225,000
- Largest single approval$1,465,000
- Jobs reported supported, 7(a)105
- Jobs per approval9.5
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals11
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.2 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter6
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderFirst Citizens Bank (4)
- 504 approvals recorded12
- 504 gross approval dollars$4.6 m
- Average 504 approval$385,083
- Median 504 approval$286,000
- Distinct CDCs active2
- 504 jobs per approval25.1
- 504 jobs per million dollars approved65.1
- Most active CDCIowa Business Growth Company (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.0 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Floyd County
SBA loan default and charge-off rates in Floyd County
Do SBA loans in Floyd County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure8
- Status: Committed, not yet disbursed1
Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Floyd County
SBA lending by place in Floyd County
- Borrower cities with recorded lending3
- Charles City, approvals8
- Nora Springs, approvals2
- Rockford, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Charles City | 8 | $3,959,500 |
| Nora Springs | 2 | $190,000 |
| Rockford | 1 | $225,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Floyd County
How large is Floyd County?
- Land area501 sq mi
- Rank by land area among Iowa counties72nd of 99
- Width, east to west23.8 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land31
- Establishments per square mile0.74
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Floyd County
Flood risk in Floyd County
- Participation of the county's own NFIP community Floyd County, unincorporated areasParticipating, community 190127
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Floyd County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Floyd County (community 190127), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Floyd County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Floyd County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Floyd County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202415,328
- Households6,503
- Average household size2.36
- Median household income$68,557
- Median age43.5
Common questions
Floyd County questions, answered from the record.
How many people live in Floyd County, Iowa?
The Census Bureau estimates 15,008 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 15,328, in 6,503 households, ranking 49th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Floyd County's population growing?
The population has fallen 3.96 percent since the 2020 census base of 15,627, to 15,008 on July 1, 2024. In 2024 there were 155 births against 219 deaths, with net migration of -194. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Floyd County?
$68,557. The median owner-occupied home is valued at $143,500, which is 2.1 times income, and median gross rent is $745 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Floyd County?
371 establishments, employing 5,199 people with an annual payroll of $266.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Floyd County?
Manufacturing is the largest private sector at 1,526 jobs, 26.7 percent of covered employment. Covered employment averages 5,716 jobs at an average annual pay of $54,987, or $1,057 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Floyd County?
11 7(a) approvals totaling $4.4 m since FY2020, across 7 lenders, with a median approval of $225,000, plus 12 504 approvals worth $4.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Floyd County?
22 housing units were authorized by permit in 2024, with a declared construction value of $5.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Floyd County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Floyd County come from?
The largest single origin is Cerro Gordo County, with 56 households. Arriving households report an average income of $47,280 against $44,496 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Floyd County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Floyd County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Floyd County
Cities and places in Floyd.
9 Census places lie wholly or partly in Floyd County. All 9 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Charles City | city | 7,232 | 8 | Wholly in this county |
| Nashua | city | 1,622 | None recorded | 14.0 percent here, 86.0 percent Chickasaw County |
| Nora Springs | city | 1,363 | 2 | Wholly in this county |
| Rockford | city | 839 | 1 | Wholly in this county |
| Rudd | city | 481 | None recorded | Wholly in this county |
| Floyd | city | 315 | None recorded | Wholly in this county |
| Marble Rock | city | 191 | None recorded | Wholly in this county |
| Colwell | city | 38 | None recorded | Wholly in this county |
| Roseville | CDP | 12 | None recorded | Wholly in this county |
Nearby