HomeIowaFloyd CountyCharles City
Charles City, Iowa: commercial real estate data.
Charles City is a Census city of 7,232 people across 6.12 square miles of land, in Floyd County. Median household income is $59,180, 67.9 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $4.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charles City
What Charles City is
- Census place typecity
- Land area6.12 sq mi
- Water area0.09 sq mi
- Population per square mile of land1,181
- County holding the largest share of its areaFloyd 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.
Charles City
How many people live in Charles City
- Population7,232
- Median age42.0
- Population under 181,595
- Share under 1822.1 percent
- Population 65 and over1,702
- Share 65 and over23.5 percent
- Households3,223
- Family households1,686
- Share of households that are families52.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles City
Income and work in Charles City
- Median household income$59,180
- Per capita income$30,770
- Civilian labor force3,592
- Employed3,426
- Unemployed166 plus or minus 97
- Unemployment rate4.6 percent plus or minus 2.7
- Adults 25 and over5,046
- Adults 25 and over with a high school diploma or higher94.6 percent
- Adults 25 and over with a bachelor degree or higher12.8 percent plus or minus 3.7
- Adults 25 and over with a graduate degree3.0 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles City
Housing in Charles City
- Housing units3,703
- Occupied units3,223
- Vacant units480 plus or minus 194
- Vacancy rate13.0 percent plus or minus 5.2
- Owner occupied2,188
- Renter occupied1,035 plus or minus 219
- Ownership rate67.9 percent
- Median owner-occupied home value$115,400
- Median gross rent, monthly$735
- Annual rent as a share of median income14.9 percent
- Single family units2,932
- Share single family79.2 percent
- Units in buildings of two or more771 plus or minus 202
- Share in buildings of two or more20.8 percent plus or minus 5.4
- Mobile homes0
- Median year structure built1960
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles City
How Charles City gets to work
- Workers 16 and over who commute3,126
- Commuting under 15 minutes1,957
- Share commuting under 15 minutes62.6 percent
- Commuting 30 minutes or more418 plus or minus 143
- Share commuting 30 minutes or more13.4 percent plus or minus 4.4
- Drove alone81.2 percent
- Carpooled11.9 percent plus or minus 4.9
- Public transport0.0 percent
- Walked1.2 percent plus or minus 1.4
- Worked from home5.1 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles City
SBA loans in Charles City (7(a))
- Approvals8
- Gross approval$3,959,500
- Average approval$494,938
- Median approval$350,000
- Largest approval$1,465,000
- Jobs supported97
- Jobs per approval12.1
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term125 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Charles City, in any county, FY2020 to FY2026. Only 2 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.
Charles City
SBA loans in Charles City (504)
- Approvals11
- Gross approval$4,334,000
- Average approval$394,000
- Median approval$285,000
- Largest approval$1,105,000
- Jobs supported286
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Charles City, in any county, FY2010 to FY2026. Only 2 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.
Charles City
Flood risk in Charles City
- NFIP communityCity of Charles City
- NFIP community number190128
- Participating in the NFIPYes
- Community Rating System classClass 9
- Currently effective map date06/19/20
The City of Charles City participates in the National Flood Insurance Program as community 190128 and carries Community Rating System class 9, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Floyd County, not Charles City
Floyd County context, not Charles City figures
- Establishments in Floyd County371
- Covered employment, Floyd County5,716
- Average annual pay, Floyd County$54,987
- Housing units permitted, Floyd County22
Every figure in this section is published for Floyd County as a whole and is not a measurement of Charles City.
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
Charles City questions, answered from the record.
How many people live in Charles City, Iowa?
7,232, in 3,223 households. Charles City city covers 6.12 square miles of land, which is 1,181 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Charles City in?
Floyd 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 Charles City?
$59,180. The median owner-occupied home is valued at $115,400. Median gross rent is $735 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Charles City businesses?
8 7(a) approvals totaling $4.0 m since FY2020, across 4 lenders, median approval $350,000, plus 11 504 approvals worth $4.3 m since FY2010. These count approvals to borrowers whose address is in Charles City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Charles City borrowers get paid back?
No rate is published for Charles City. Only 2 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 Charles City in the National Flood Insurance Program?
Yes. Charles City appears in the FEMA Community Status Book as Charles City, city of, community 190128, carrying Community Rating System class 9, 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 Charles City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Floyd 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 Charles City.
Is zoning published for Charles City?
No. Nothing on this page presents parcel level zoning.
Nearby