HomeIowaLyon CountyRock Rapids
Rock Rapids, Iowa: commercial real estate data.
Rock Rapids is a Census city of 2,661 people across 4.21 square miles of land, in Lyon County. Median household income is $63,942, 71.3 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $827,600 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Rock Rapids
What Rock Rapids is
- Census place typecity
- Land area4.21 sq mi
- Water area0.05 sq mi
- Population per square mile of land632
- County holding the largest share of its areaLyon 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.
Rock Rapids
How many people live in Rock Rapids
- Population2,661
- Median age41.0
- Population under 18744
- Share under 1828.0 percent
- Population 65 and over544
- Share 65 and over20.4 percent
- Households975
- Family households640
- Share of households that are families65.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Rapids
Income and work in Rock Rapids
- Median household income$63,942
- Per capita income$31,022
- Civilian labor force1,241
- Employed1,194
- Unemployed47 plus or minus 36
- Unemployment rate3.8 percent plus or minus 2.9
- Adults 25 and over1,744
- Adults 25 and over with a high school diploma or higher94.3 percent
- Adults 25 and over with a bachelor degree or higher21.7 percent plus or minus 4.8
- Adults 25 and over with a graduate degree3.6 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Rapids
Housing in Rock Rapids
- Housing units1,136
- Occupied units975
- Vacant units161 plus or minus 77
- Vacancy rate14.2 percent plus or minus 6.7
- Owner occupied695
- Renter occupied280 plus or minus 70
- Ownership rate71.3 percent
- Median owner-occupied home value$206,700
- Median gross rent, monthly$812
- Annual rent as a share of median income15.2 percent plus or minus 4.1
- Single family units869
- Share single family76.5 percent
- Units in buildings of two or more258 plus or minus 89
- Share in buildings of two or more22.7 percent plus or minus 7.6
- Mobile homes9 plus or minus 11
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Rapids
How Rock Rapids gets to work
- Workers 16 and over who commute1,045
- Commuting under 15 minutes797
- Share commuting under 15 minutes76.3 percent
- Commuting 30 minutes or more129 plus or minus 48
- Share commuting 30 minutes or more12.3 percent plus or minus 4.3
- Drove alone72.1 percent
- Carpooled6.1 percent plus or minus 3.0
- Public transport0.0 percent
- Walked6.7 percent plus or minus 4.1
- Worked from home12.0 percent plus or minus 6.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Rapids
SBA loans in Rock Rapids (7(a))
- Approvals5
- Gross approval$827,600
- Average approval$165,520
- Median approval$23,300
- Largest approval$595,000
- Jobs supported17
- Jobs per approval3.4
- Loans with a final outcome1
- Paid in full0
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more40.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Rock Rapids, in any county, FY2020 to FY2026. Only 1 loan has 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.
Rock Rapids
SBA loans in Rock Rapids (504)
- Approvals3
- Gross approval$5,559,000
- Average approval$1,853,000
- Median approval$348,000
- Largest approval$5,000,000
- Jobs supported30
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Rock Rapids, in any county, FY2010 to FY2026. Only 1 loan has 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.
Rock Rapids
Flood risk in Rock Rapids
- NFIP communityRock Rapids, City
- NFIP community number190199
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/24/21
Rock Rapids, City participates in the National Flood Insurance Program as community 190199 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lyon County, not Rock Rapids
Lyon County context, not Rock Rapids figures
- Establishments in Lyon County402
- Covered employment, Lyon County4,794
- Average annual pay, Lyon County$49,696
- Housing units permitted, Lyon County63
Every figure in this section is published for Lyon County as a whole and is not a measurement of Rock Rapids.
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
Rock Rapids questions, answered from the record.
How many people live in Rock Rapids, Iowa?
2,661, in 975 households. Rock Rapids city covers 4.21 square miles of land, which is 632 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rock Rapids in?
Lyon 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 Rock Rapids?
$63,942. The median owner-occupied home is valued at $206,700. Median gross rent is $812 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rock Rapids businesses?
5 7(a) approvals totaling $827,600 since FY2020, across 2 lenders, median approval $23,300, plus 3 504 approvals worth $5.6 m since FY2010. These count approvals to borrowers whose address is in Rock Rapids, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rock Rapids borrowers get paid back?
No rate is published for Rock Rapids. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Rock Rapids in the National Flood Insurance Program?
Yes. Rock Rapids appears in the FEMA Community Status Book as Rock Rapids, City, community 190199, with no Community Rating System class, so no CRS discount applies. 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 Rock Rapids figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lyon 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 Rock Rapids.
Is zoning published for Rock Rapids?
No. Nothing on this page presents parcel level zoning.
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