HomeIowaPalo Alto CountyEmmetsburg
Emmetsburg, Iowa: commercial real estate data.
Emmetsburg is a Census city of 3,648 people across 3.79 square miles of land, in Palo Alto County. Median household income is $55,833, 69.4 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $285,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Emmetsburg
What Emmetsburg is
- Census place typecity
- Land area3.79 sq mi
- Water area0.17 sq mi
- Population per square mile of land962
- County holding the largest share of its areaPalo Alto 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.
Emmetsburg
How many people live in Emmetsburg
- Population3,648
- Median age44.7
- Population under 18672
- Share under 1818.4 percent plus or minus 3.7
- Population 65 and over934
- Share 65 and over25.6 percent
- Households1,646
- Family households824
- Share of households that are families50.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmetsburg
Income and work in Emmetsburg
- Median household income$55,833
- Per capita income$34,557
- Civilian labor force2,057
- Employed2,007
- Unemployed50 plus or minus 45
- Unemployment rate2.4 percent plus or minus 2.2
- Adults 25 and over2,581
- Adults 25 and over with a high school diploma or higher91.0 percent
- Adults 25 and over with a bachelor degree or higher13.9 percent plus or minus 3.9
- Adults 25 and over with a graduate degree3.8 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmetsburg
Housing in Emmetsburg
- Housing units1,848
- Occupied units1,646
- Vacant units202 plus or minus 101
- Vacancy rate10.9 percent plus or minus 5.4
- Owner occupied1,143
- Renter occupied503 plus or minus 104
- Ownership rate69.4 percent
- Median owner-occupied home value$114,300
- Median gross rent, monthly$624
- Annual rent as a share of median income13.4 percent
- Single family units1,440
- Share single family77.9 percent
- Units in buildings of two or more376 plus or minus 111
- Share in buildings of two or more20.3 percent plus or minus 5.9
- Mobile homes32 plus or minus 30
- Median year structure built1960
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmetsburg
How Emmetsburg gets to work
- Workers 16 and over who commute1,875
- Commuting under 15 minutes1,357
- Share commuting under 15 minutes72.4 percent
- Commuting 30 minutes or more432 plus or minus 124
- Share commuting 30 minutes or more23.0 percent plus or minus 6.1
- Drove alone75.8 percent
- Carpooled8.6 percent plus or minus 3.7
- Public transport0.8 percent plus or minus 1.1
- Walked7.8 percent plus or minus 3.7
- Worked from home5.0 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmetsburg
SBA loans in Emmetsburg (7(a))
- Approvals4
- Gross approval$285,000
- Average approval$71,250
- Median approval$35,000
- Largest approval$200,000
- Jobs supported5
- Jobs per approval1.3
- Loans with a final outcome2
- Paid in full1
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Emmetsburg, 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.
Emmetsburg
SBA loans in Emmetsburg (504)
- Approvals2
- Gross approval$604,000
- Average approval$302,000
- Median approval$302,000
- Largest approval$474,000
- Jobs supported13
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Emmetsburg, 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.
Emmetsburg
Flood risk in Emmetsburg
- NFIP communityCity of Emmetsburg
- NFIP community number190221
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/07/21
The City of Emmetsburg participates in the National Flood Insurance Program as community 190221 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.
Palo Alto County, not Emmetsburg
Palo Alto County context, not Emmetsburg figures
- Establishments in Palo Alto County272
- Covered employment, Palo Alto County3,615
- Average annual pay, Palo Alto County$47,406
- Housing units permitted, Palo Alto County10
Every figure in this section is published for Palo Alto County as a whole and is not a measurement of Emmetsburg.
All Palo Alto 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
Emmetsburg questions, answered from the record.
How many people live in Emmetsburg, Iowa?
3,648, in 1,646 households. Emmetsburg city covers 3.79 square miles of land, which is 962 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Emmetsburg in?
Palo Alto 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 Emmetsburg?
$55,833. The median owner-occupied home is valued at $114,300. Median gross rent is $624 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Emmetsburg businesses?
4 7(a) approvals totaling $285,000 since FY2020, across 3 lenders, median approval $35,000, plus 2 504 approvals worth $604,000 since FY2010. These count approvals to borrowers whose address is in Emmetsburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Emmetsburg borrowers get paid back?
No rate is published for Emmetsburg. 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 Emmetsburg in the National Flood Insurance Program?
Yes. Emmetsburg appears in the FEMA Community Status Book as Emmetsburg, city of, community 190221, 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 Emmetsburg figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Palo Alto 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 Emmetsburg.
Is zoning published for Emmetsburg?
No. Nothing on this page presents parcel level zoning.
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