Jones County, Iowa: commercial real estate data.
Jones County, Iowa had an estimated 21,116 residents on July 1, 2024, up 2.3 percent since the 2020 census base of 20,643, across 576 square miles. County output reached $858.3 m in 2024, 514 establishments operate here, and the SBA record carries 12 7(a) approvals worth $6.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Jones County
How many people live in Jones County
- Population, American Community Survey 2020-202420,896
- Households8,198
- Average household size2.55
- Median household income$73,531
- Median age42.8
- Median gross rent$784 per month
- Median owner-occupied home value$184,800
- Home value to household income2.5 times
- Annual rent as a share of median income12.8 percent
- Adults 25 and over with a bachelor degree or higher22.0 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over15,150
- Population under 184,212
- Share under 1820.2 percent
- Population 65 and over4,459
- Share 65 and over21.3 percent
- Working age population, 18 to 6412,225
- Civilian labor force10,321
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over61.9 percent
- Rank by population among Iowa counties29th of 99
- Rank by population among US county-equivalents, Puerto Rico included1828th of 3,222
Jones County is the 29th largest of 99 Iowa counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 20.2 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.
Jones County
Is Jones County's population growing?
- Population, July 1, 202421,116
- Census 2020 base population20,643
- Population change since the 2020 census base2.29 percent
- Population change, 2023 to 2024199
- Births, 2024175
- Deaths, 2024204
- Natural change, 2024-29
- Net domestic migration, 2024225
- Net international migration, 20246
- Total net migration, 2024231
- Cumulative net domestic migration, 2021 to 2024630
- Rank by growth among US county-equivalents1075th of 3,144
The county has grown 2.29 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.
Jones County
Where are people moving to Jones County from?
- Tax returns filed by households arriving429
- People arriving, from those returns776
- Tax returns filed by households leaving466
- Net household movement-37
- Adjusted gross income arriving$26.0 m
- Net adjusted gross income movement$-1.3 m
- Average income of an arriving household$60,662
- Average income of a leaving household$58,678
- Largest single originLinn County (125 households)
- Largest single destinationLinn County (166 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Linn County | 125 | 212 | $6.6 m |
| Dubuque County | 40 | 90 | $3.8 m |
| Cedar County | 21 | 36 | $791,000 |
| Johnson County | 20 | 23 | $784,000 |
Households arriving report $1,984 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 Linn 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.
Jones County
What is the Jones County economy?
- County GDP, 2024$858.3 m
- County GDP, 2023$869.9 m
- GDP change, 2023 to 2024-1.3 percent
- GDP change over five years29.0 percent
- Rank by GDP among the Iowa areas BEA publishes59th of 99
- Rank by GDP among the US county areas BEA publishes1971st of 3,127
- GDP per resident$41,073
Output grew -1.3 percent in the latest year and 29.0 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.
Jones County
Employment by industry in Jones County
- Covered employment, annual average6,253
- Establishments reporting667
- Average annual pay$50,095
- Average weekly wage$963
- Health care and social assistance, employment800
- Health care and social assistance, average annual pay$44,153
- Manufacturing, employment766
- Manufacturing, average annual pay$65,727
- Retail trade, employment740
- Retail trade, average annual pay$33,503
- Construction, employment633
- Construction, average annual pay$67,477
- Accommodation and food services, employment497
- Wholesale trade, employment353
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 800 | 80 | $44,153 |
| Manufacturing | 766 | 31 | $65,727 |
| Retail trade | 740 | 64 | $33,503 |
| Construction | 633 | 76 | $67,477 |
| Accommodation and food services | 497 | 40 | $17,232 |
| Wholesale trade | 353 | 55 | $71,521 |
| Finance and insurance | 191 | 37 | $67,876 |
| Professional, scientific and technical services | 150 | 37 | $80,382 |
Health care and social assistance is the largest private sector at 800 jobs, 12.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Jones County
How many businesses are in Jones County?
- Establishments, all industries514
- Employment at those establishments4,620
- Annual payroll$214.7 m
- Establishments per 1,000 residents24.6
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.
Jones County
Building permits in Jones County
- Housing units authorized by permit, 202420
- Declared construction value permitted$6.9 m
- Single family units authorized18
- Multifamily units authorized2
- Multifamily share of units10.0 percent
- Average declared value per unit$344,643
- Units authorized per 1,000 households2.4
Single-family homes are 90.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Jones County
SBA loans in Jones County (7(a) and 504)
- 7(a) approvals recorded12
- 7(a) gross approval dollars$6.1 m
- Average 7(a) approval$510,367
- Median 7(a) approval$244,500
- Largest single approval$3,150,000
- Jobs reported supported, 7(a)72
- Jobs per approval6.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals10
- Median 7(a) term156 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderCitizens State Bank (5)
- 504 approvals recorded11
- 504 gross approval dollars$5.9 m
- Average 504 approval$536,455
- Median 504 approval$156,000
- Distinct CDCs active2
- 504 jobs per approval14.0
- 504 jobs per million dollars approved26.1
- Most active CDCBlack Hawk Economic Development, Inc. (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.0 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.
Jones County
SBA loan default and charge-off rates in Jones County
Do SBA loans in Jones County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure7
- Status: Committed, not yet disbursed2
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.
Jones County
SBA lending by place in Jones County
- Borrower cities with recorded lending4
- Monticello, approvals5
- Anamosa, approvals5
- Mechanicsville, approvals1
- Olin, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Monticello | 5 | $4,215,000 |
| Anamosa | 5 | $1,129,400 |
| Mechanicsville | 1 | $610,000 |
| Olin | 1 | $170,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Jones County
How large is Jones County?
- Land area576 sq mi
- Rank by land area among Iowa counties37th of 99
- Width, east to west24 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.89
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.
Jones County
Flood risk in Jones County
- Participation of the county's own NFIP community Jones County, unincorporated areasParticipating, community 190919
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Jones 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 Jones County (community 190919), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Jones 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 Jones 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 Jones County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202420,896
- Households8,198
- Average household size2.55
- Median household income$73,531
- Median age42.8
Common questions
Jones County questions, answered from the record.
How many people live in Jones County, Iowa?
The Census Bureau estimates 21,116 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 20,896, in 8,198 households, ranking 29th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jones County's population growing?
The population has grown 2.29 percent since the 2020 census base of 20,643, to 21,116 on July 1, 2024. In 2024 there were 175 births against 204 deaths, with net migration of 231. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jones County?
$73,531. The median owner-occupied home is valued at $184,800, which is 2.5 times income, and median gross rent is $784 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Jones County?
514 establishments, employing 4,620 people with an annual payroll of $214.7 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 Jones County?
Health care and social assistance is the largest private sector at 800 jobs, 12.8 percent of covered employment. Covered employment averages 6,253 jobs at an average annual pay of $50,095, or $963 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jones County?
12 7(a) approvals totaling $6.1 m since FY2020, across 6 lenders, with a median approval of $244,500, plus 11 504 approvals worth $5.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Jones County?
20 housing units were authorized by permit in 2024, with a declared construction value of $6.9 m. Multifamily was 10.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jones 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 Jones County come from?
The largest single origin is Linn County, with 125 households. Arriving households report an average income of $60,662 against $58,678 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Jones 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 Jones 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.
Jones County
Cities and places in Jones.
11 Census places lie wholly or partly in Jones County. All 11 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 |
|---|---|---|---|---|
| Anamosa | city | 5,629 | 5 | Wholly in this county |
| Monticello | city | 4,071 | 5 | Wholly in this county |
| Cascade | city | 2,375 | None recorded | 13.5 percent here, 86.5 percent Dubuque County |
| Olin | city | 830 | 1 | Wholly in this county |
| Wyoming | city | 525 | None recorded | Wholly in this county |
| Oxford Junction | city | 461 | None recorded | Wholly in this county |
| Martelle | city | 457 | None recorded | Wholly in this county |
| Onslow | city | 284 | None recorded | Wholly in this county |
| Stone City | CDP | 154 | None recorded | Wholly in this county |
| Center Junction | CDP | 126 | None recorded | Wholly in this county |
| Morley | city | 46 | None recorded | Wholly in this county |
A further 1 of the county's 12 SBA 7(a) approvals are to borrowers in cities that match no Census place in Jones County, the largest being Mechanicsville (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby