Monona County, Iowa: commercial real estate data.
Monona County, Iowa had an estimated 8,429 residents on July 1, 2024, down 3.7 percent since the 2020 census base of 8,752, across 694 square miles. County output reached $462.0 m in 2024, 228 establishments operate here, and the SBA record carries 2 7(a) approvals worth $313,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Monona County
How many people live in Monona County
- Population, American Community Survey 2020-20248,557
- Households3,878
- Average household size2.21
- Median household income$68,377
- Median age43.7
- Median gross rent$855 per month
- Median owner-occupied home value$142,900
- Home value to household income2.1 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over6,098
- Population under 181,935
- Share under 1822.6 percent
- Population 65 and over2,084
- Share 65 and over24.4 percent
- Working age population, 18 to 644,538
- Civilian labor force4,195
- Unemployment rate1.6 percent
- Labor force participation, adults 18 and over63.3 percent
- Rank by population among Iowa counties85th of 99
- Rank by population among US county-equivalents, Puerto Rico included2606th of 3,222
Monona County is the 85th 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 24.4 percent against 22.6 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.
Monona County
Is Monona County's population growing?
- Population, July 1, 20248,429
- Census 2020 base population8,752
- Population change since the 2020 census base-3.69 percent
- Population change, 2023 to 2024-74
- Births, 202483
- Deaths, 2024122
- Natural change, 2024-39
- Net domestic migration, 2024-35
- Net international migration, 20242
- Total net migration, 2024-33
- Cumulative net domestic migration, 2021 to 2024-83
- Rank by growth among US county-equivalents2850th of 3,144
The county has lost 3.69 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.
Monona County
Where are people moving to Monona County from?
- Tax returns filed by households arriving157
- People arriving, from those returns311
- Tax returns filed by households leaving159
- Net household movement-2
- Adjusted gross income arriving$8.5 m
- Net adjusted gross income movement$434,000
- Average income of an arriving household$54,344
- Average income of a leaving household$50,931
- Largest single originWoodbury County (53 households)
- Largest single destinationWoodbury County (54 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Woodbury County | 53 | 113 | $2.7 m |
Households arriving report $3,413 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 Woodbury 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.
Monona County
What is the Monona County economy?
- County GDP, 2024$462.0 m
- County GDP, 2023$493.7 m
- GDP change, 2023 to 2024-6.4 percent
- GDP change over five years45.3 percent
- Rank by GDP among the Iowa areas BEA publishes89th of 99
- Rank by GDP among the US county areas BEA publishes2455th of 3,127
- GDP per resident$53,992
Output grew -6.4 percent in the latest year and 45.3 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.
Monona County
Employment by industry in Monona County
- Covered employment, annual average2,530
- Establishments reporting299
- Average annual pay$45,733
- Average weekly wage$879
- Retail trade, employment337
- Retail trade, average annual pay$27,660
- Wholesale trade, employment192
- Wholesale trade, average annual pay$69,314
- Finance and insurance, employment96
- Finance and insurance, average annual pay$55,968
- Construction, employment88
- Construction, average annual pay$67,018
- Other services, except public administration, employment87
- Administrative and support and waste management services, employment52
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 337 | 40 | $27,660 |
| Wholesale trade | 192 | 21 | $69,314 |
| Finance and insurance | 96 | 20 | $55,968 |
| Construction | 88 | 21 | $67,018 |
| Other services, except public administration | 87 | 12 | $65,902 |
| Administrative and support and waste management services | 52 | 17 | $40,916 |
| Information | 8 | 4 | $39,676 |
| Real estate and rental and leasing | 8 | 5 | $43,333 |
Retail trade is the largest private sector at 337 jobs, 13.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Monona County
How many businesses are in Monona County?
- Establishments, all industries228
- Employment at those establishments1,935
- Annual payroll$81.7 m
- Establishments per 1,000 residents26.6
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.
Monona County
Building permits in Monona County
- Housing units authorized by permit, 20243
- Declared construction value permitted$690,000
- Single family units authorized3
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$230,000
- Units authorized per 1,000 households0.8
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.
Monona County
SBA loans in Monona County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$313,000
- Average 7(a) approval$156,500
- Median 7(a) approval$156,500
- Largest single approval$193,000
- Jobs reported supported, 7(a)17
- Jobs per approval8.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term219 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded3
- 504 gross approval dollars$2.0 m
- Average 504 approval$656,667
- Median 504 approval$323,000
- Distinct CDCs active2
- 504 jobs per approval3.3
- 504 jobs per million dollars approved5.1
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.3 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.
Monona County
SBA loan default and charge-off rates in Monona County
Do SBA loans in Monona County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
Only 0 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.
Monona County
How large is Monona County?
- Land area694 sq mi
- Rank by land area among Iowa counties16th of 99
- Width, east to west35.4 mi
- Height, north to south24.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land12
- Establishments per square mile0.33
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.
Monona County
Flood risk in Monona County
- Participation of the county's own NFIP community Monona County, unincorporated areasParticipating, community 190893
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP9
- NFIP participation rate90.0 percent
- Communities carrying a CRS class0
- Radon levels in Monona 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 Monona County (community 190893), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Monona 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. 90.0 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 Monona 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 Monona County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20248,557
- Households3,878
- Average household size2.21
- Median household income$68,377
- Median age43.7
Common questions
Monona County questions, answered from the record.
How many people live in Monona County, Iowa?
The Census Bureau estimates 8,429 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 8,557, in 3,878 households, ranking 85th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Monona County's population growing?
The population has fallen 3.69 percent since the 2020 census base of 8,752, to 8,429 on July 1, 2024. In 2024 there were 83 births against 122 deaths, with net migration of -33. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Monona County?
$68,377. The median owner-occupied home is valued at $142,900, which is 2.1 times income, and median gross rent is $855 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Monona County?
228 establishments, employing 1,935 people with an annual payroll of $81.7 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 Monona County?
Retail trade is the largest private sector at 337 jobs, 13.3 percent of covered employment. Covered employment averages 2,530 jobs at an average annual pay of $45,733, or $879 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Monona County?
2 7(a) approvals totaling $313,000 since FY2020, across 2 lenders, with a median approval of $156,500, plus 3 504 approvals worth $2.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Monona County?
3 housing units were authorized by permit in 2024, with a declared construction value of $690,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Monona 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 Monona County come from?
The largest single origin is Woodbury County, with 53 households. Arriving households report an average income of $54,344 against $50,931 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Monona 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 Monona 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.
Monona County
Cities and places in Monona.
10 Census places lie wholly or partly in Monona County. All 10 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 |
|---|---|---|---|---|
| Onawa | city | 2,839 | None recorded | Wholly in this county |
| Mapleton | city | 989 | None recorded | Wholly in this county |
| Whiting | city | 777 | None recorded | Wholly in this county |
| Ute | city | 351 | 2 | Wholly in this county |
| Blencoe | city | 280 | None recorded | Wholly in this county |
| Moorhead | city | 195 | None recorded | Wholly in this county |
| Castana | city | 162 | None recorded | Wholly in this county |
| Soldier | city | 133 | None recorded | Wholly in this county |
| Turin | city | 131 | None recorded | Wholly in this county |
| Rodney | city | 39 | None recorded | Wholly in this county |
Nearby