HomeIowaMontgomery CountyRed Oak
Red Oak, Iowa: commercial real estate data.
Red Oak is a Census city of 5,510 people across 3.93 square miles of land, in Montgomery County. Median household income is $50,109, 59.9 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $2.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Red Oak
What Red Oak is
- Census place typecity
- Land area3.93 sq mi
- Water area0.06 sq mi
- Population per square mile of land1,404
- County holding the largest share of its areaMontgomery 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.
Red Oak
How many people live in Red Oak
- Population5,510
- Median age40.2
- Population under 181,342
- Share under 1824.4 percent
- Population 65 and over1,021
- Share 65 and over18.5 percent
- Households2,441
- Family households1,430
- Share of households that are families58.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
Income and work in Red Oak
- Median household income$50,109
- Per capita income$28,822
- Civilian labor force2,371
- Employed2,302
- Unemployed69 plus or minus 42
- Unemployment rate2.9 percent plus or minus 1.7
- Adults 25 and over3,772
- Adults 25 and over with a high school diploma or higher88.7 percent
- Adults 25 and over with a bachelor degree or higher17.7 percent plus or minus 4.8
- Adults 25 and over with a graduate degree4.5 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
Housing in Red Oak
- Housing units2,671
- Occupied units2,441
- Vacant units230 plus or minus 124
- Vacancy rate8.6 percent plus or minus 4.6
- Owner occupied1,462
- Renter occupied979
- Ownership rate59.9 percent
- Median owner-occupied home value$99,700
- Median gross rent, monthly$812
- Annual rent as a share of median income19.4 percent
- Single family units2,064
- Share single family77.3 percent
- Units in buildings of two or more534 plus or minus 156
- Share in buildings of two or more20.0 percent plus or minus 5.8
- Mobile homes73 plus or minus 46
- Median year structure built1963
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
How Red Oak gets to work
- Workers 16 and over who commute2,045
- Commuting under 15 minutes1,252
- Share commuting under 15 minutes61.2 percent
- Commuting 30 minutes or more646 plus or minus 186
- Share commuting 30 minutes or more31.6 percent plus or minus 8.2
- Drove alone75.1 percent
- Carpooled13.3 percent plus or minus 5.7
- Public transport0.0 percent
- Walked0.7 percent plus or minus 1.0
- Worked from home11.0 percent plus or minus 5.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
SBA loans in Red Oak (7(a))
- Approvals4
- Gross approval$2,467,300
- Average approval$616,825
- Median approval$537,150
- Largest approval$1,305,000
- Jobs supported44
- Jobs per approval11.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term130 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises50.0 percent
- Distinct lenders3
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Red Oak, 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.
Red Oak
SBA loans in Red Oak (504)
- Approvals2
- Gross approval$1,565,000
- Average approval$782,500
- Median approval$782,500
- Largest approval$1,106,000
- Jobs supported30
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Red Oak, 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.
Red Oak
Flood risk in Red Oak
- NFIP communityCity of Red Oak
- NFIP community number190210
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/02/16
The City of Red Oak participates in the National Flood Insurance Program as community 190210 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.
Montgomery County, not Red Oak
Montgomery County context, not Red Oak figures
- Establishments in Montgomery County294
- Covered employment, Montgomery County4,087
- Average annual pay, Montgomery County$51,354
- Housing units permitted, Montgomery County13
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Red Oak.
All Montgomery County figures →
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
Red Oak questions, answered from the record.
How many people live in Red Oak, Iowa?
5,510, in 2,441 households. Red Oak city covers 3.93 square miles of land, which is 1,404 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Red Oak in?
Montgomery 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 Red Oak?
$50,109. The median owner-occupied home is valued at $99,700. 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 Red Oak businesses?
4 7(a) approvals totaling $2.5 m since FY2020, across 3 lenders, median approval $537,150, plus 2 504 approvals worth $1.6 m since FY2010. These count approvals to borrowers whose address is in Red Oak, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Red Oak borrowers get paid back?
No rate is published for Red Oak. 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 Red Oak in the National Flood Insurance Program?
Yes. Red Oak appears in the FEMA Community Status Book as Red Oak, city of, community 190210, 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 Red Oak figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery 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 Red Oak.
Is zoning published for Red Oak?
No. Nothing on this page presents parcel level zoning.
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