Guthrie County, Iowa: commercial real estate data.
Guthrie County, Iowa had an estimated 10,774 residents on July 1, 2024, up 1.4 percent since the 2020 census base of 10,627, across 591 square miles. County output reached $752.5 m in 2024, 313 establishments operate here, and the SBA record carries 10 7(a) approvals worth $1.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Guthrie County
How many people live in Guthrie County
- Population, American Community Survey 2020-202410,688
- Households4,600
- Average household size2.32
- Median household income$77,711
- Median age46.7
- Median gross rent$845 per month
- Median owner-occupied home value$180,100
- Home value to household income2.3 times
- Annual rent as a share of median income13.0 percent
- Adults 25 and over with a bachelor degree or higher25.0 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over7,732
- Population under 182,269
- Share under 1821.2 percent
- Population 65 and over2,591
- Share 65 and over24.2 percent
- Working age population, 18 to 645,828
- Civilian labor force5,464
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over64.9 percent
- Rank by population among Iowa counties67th of 99
- Rank by population among US county-equivalents, Puerto Rico included2439th of 3,222
Guthrie County is the 67th largest of 99 Iowa counties by population. A median home costs 2.3 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 24.2 percent against 21.2 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.
Guthrie County
Is Guthrie County's population growing?
- Population, July 1, 202410,774
- Census 2020 base population10,627
- Population change since the 2020 census base1.38 percent
- Population change, 2023 to 202411
- Births, 202495
- Deaths, 2024130
- Natural change, 2024-35
- Net domestic migration, 2024-22
- Net international migration, 202470
- Total net migration, 202448
- Cumulative net domestic migration, 2021 to 2024181
- Rank by growth among US county-equivalents1372nd of 3,144
The county has grown 1.38 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Guthrie County
Where are people moving to Guthrie County from?
- Tax returns filed by households arriving323
- People arriving, from those returns601
- Tax returns filed by households leaving298
- Net household movement25
- Adjusted gross income arriving$23.0 m
- Net adjusted gross income movement$3.7 m
- Average income of an arriving household$71,220
- Average income of a leaving household$64,664
- Largest single originPolk County (80 households)
- Largest single destinationPolk County (68 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Polk County | 80 | 141 | $5.9 m |
| Dallas County | 54 | 101 | $6.9 m |
| Adair County | 27 | 57 | $1.5 m |
Households arriving report $6,556 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 Polk 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.
Guthrie County
What is the Guthrie County economy?
- County GDP, 2024$752.5 m
- County GDP, 2023$677.4 m
- GDP change, 2023 to 202411.1 percent
- GDP change over five years56.8 percent
- Rank by GDP among the Iowa areas BEA publishes67th of 99
- Rank by GDP among the US county areas BEA publishes2073rd of 3,127
- GDP per resident$70,410
Output grew 11.1 percent in the latest year and 56.8 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.
Guthrie County
Employment by industry in Guthrie County
- Covered employment, annual average3,271
- Establishments reporting395
- Average annual pay$54,155
- Average weekly wage$1,041
- Retail trade, employment293
- Retail trade, average annual pay$27,725
- Construction, employment262
- Construction, average annual pay$69,308
- Agriculture, forestry, fishing and hunting, employment228
- Agriculture, forestry, fishing and hunting, average annual pay$50,340
- Manufacturing, employment196
- Manufacturing, average annual pay$72,646
- Accommodation and food services, employment188
- Finance and insurance, employment142
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 293 | 30 | $27,725 |
| Construction | 262 | 38 | $69,308 |
| Agriculture, forestry, fishing and hunting | 228 | 14 | $50,340 |
| Manufacturing | 196 | 10 | $72,646 |
| Accommodation and food services | 188 | 23 | $12,808 |
| Finance and insurance | 142 | 32 | $70,919 |
| Professional, scientific and technical services | 126 | 35 | $138,207 |
| Wholesale trade | 110 | 30 | $69,056 |
Retail trade is the largest private sector at 293 jobs, 9.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Guthrie County
How many businesses are in Guthrie County?
- Establishments, all industries313
- Employment at those establishments2,392
- Annual payroll$112.4 m
- Establishments per 1,000 residents29.3
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.
Guthrie County
Building permits in Guthrie County
- Housing units authorized by permit, 202426
- Declared construction value permitted$10.7 m
- Single family units authorized24
- Multifamily units authorized2
- Multifamily share of units7.7 percent
- Average declared value per unit$410,369
- Units authorized per 1,000 households5.7
Single-family homes are 92.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Guthrie County
SBA loans in Guthrie County (7(a) and 504)
- 7(a) approvals recorded10
- 7(a) gross approval dollars$1.0 m
- Average 7(a) approval$103,270
- Median 7(a) approval$107,350
- Largest single approval$184,000
- Jobs reported supported, 7(a)32
- Jobs per approval3.2
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.0 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 lenderGuthrie County State Bank (4)
- 504 approvals recorded4
- 504 gross approval dollars$2.0 m
- Average 504 approval$511,750
- Median 504 approval$466,000
- Distinct CDCs active3
- 504 jobs per approval5.8
- 504 jobs per million dollars approved11.2
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.1 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.
Guthrie County
SBA loan default and charge-off rates in Guthrie County
Do SBA loans in Guthrie County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure7
Only 3 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.
Guthrie County
SBA lending by place in Guthrie County
- Borrower cities with recorded lending3
- Panora, approvals5
- Guthrie Center, approvals4
- Stuart, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Panora | 5 | $516,200 |
| Guthrie Center | 4 | $332,500 |
| Stuart | 1 | $184,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Guthrie County
How large is Guthrie County?
- Land area591 sq mi
- Rank by land area among Iowa counties22nd of 99
- Width, east to west26 mi
- Height, north to south24.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land18
- Establishments per square mile0.53
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.
Guthrie County
Flood risk in Guthrie County
- Participation of the county's own NFIP community Guthrie County, unincorporated areasParticipating, community 190871
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Guthrie 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 Guthrie County (community 190871), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Guthrie 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. 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 Guthrie 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 Guthrie County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,688
- Households4,600
- Average household size2.32
- Median household income$77,711
- Median age46.7
Common questions
Guthrie County questions, answered from the record.
How many people live in Guthrie County, Iowa?
The Census Bureau estimates 10,774 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,688, in 4,600 households, ranking 67th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Guthrie County's population growing?
The population has grown 1.38 percent since the 2020 census base of 10,627, to 10,774 on July 1, 2024. In 2024 there were 95 births against 130 deaths, with net migration of 48. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Guthrie County?
$77,711. The median owner-occupied home is valued at $180,100, which is 2.3 times income, and median gross rent is $845 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Guthrie County?
313 establishments, employing 2,392 people with an annual payroll of $112.4 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 Guthrie County?
Retail trade is the largest private sector at 293 jobs, 9.0 percent of covered employment. Covered employment averages 3,271 jobs at an average annual pay of $54,155, or $1,041 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Guthrie County?
10 7(a) approvals totaling $1.0 m since FY2020, across 6 lenders, with a median approval of $107,350, plus 4 504 approvals worth $2.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Guthrie County?
26 housing units were authorized by permit in 2024, with a declared construction value of $10.7 m. Multifamily was 7.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Guthrie 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 Guthrie County come from?
The largest single origin is Polk County, with 80 households. Arriving households report an average income of $71,220 against $64,664 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Guthrie 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 Guthrie 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.
Guthrie County
Cities and places in Guthrie.
12 Census places lie wholly or partly in Guthrie County. All 12 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 |
|---|---|---|---|---|
| Guthrie Center | city | 1,689 | 4 | Wholly in this county |
| Stuart | city | 1,655 | 1 | 39.5 percent here, 60.5 percent Adair County |
| Panora | city | 1,579 | 5 | Wholly in this county |
| Lake Panorama | CDP | 928 | None recorded | Wholly in this county |
| Adair | city | 830 | None recorded | 33.4 percent here, 66.6 percent Adair County |
| Yale | city | 405 | None recorded | Wholly in this county |
| Bayard | city | 398 | None recorded | Wholly in this county |
| Menlo | city | 398 | None recorded | Wholly in this county |
| Casey | city | 381 | None recorded | 76.2 percent here, 23.8 percent Adair County |
| Diamondhead Lake | CDP | 285 | None recorded | Wholly in this county |
| Bagley | city | 223 | None recorded | Wholly in this county |
| Jamaica | city | 189 | None recorded | Wholly in this county |
Nearby