HomeIowaPolk CountyElkhart
Elkhart, Iowa: commercial real estate data.
Elkhart is a Census city of 899 people across 1.89 square miles of land, in Polk County. Median household income is $84,554, 81.1 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $390,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elkhart
What Elkhart is
- Census place typecity
- Land area1.89 sq mi
- Water area0 sq mi
- Population per square mile of land477 plus or minus 116
- County holding the largest share of its areaPolk 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.
Elkhart
How many people live in Elkhart
- Population899 plus or minus 219
- Median age32.9
- Population under 18265 plus or minus 68
- Share under 1829.5 percent
- Population 65 and over88 plus or minus 42
- Share 65 and over9.8 percent plus or minus 4.0
- Households349 plus or minus 74
- Family households229 plus or minus 57
- Share of households that are families65.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
Income and work in Elkhart
- Median household income$84,554
- Per capita income$36,553
- Civilian labor force520 plus or minus 116
- Employed513 plus or minus 117
- Unemployed7 plus or minus 6
- Unemployment rate1.3 percent plus or minus 1.1
- Adults 25 and over570 plus or minus 128
- Adults 25 and over with a high school diploma or higher94.2 percent plus or minus 26.8
- Adults 25 and over with a bachelor degree or higher28.1 percent plus or minus 6.1
- Adults 25 and over with a graduate degree3.0 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
Housing in Elkhart
- Housing units378 plus or minus 81
- Occupied units349 plus or minus 74
- Vacant units29 plus or minus 28
- Vacancy rate7.7 percent plus or minus 7.2
- Owner occupied283
- Renter occupied66 plus or minus 38
- Ownership rate81.1 percent plus or minus 23.5
- Median owner-occupied home value$253,900
- Median gross rent, monthly$836 plus or minus $805
- Annual rent as a share of median income11.9 percent plus or minus 11.6
- Single family units281 plus or minus 62
- Share single family74.3 percent
- Units in buildings of two or more49 plus or minus 37
- Share in buildings of two or more13.0 percent plus or minus 9.4
- Mobile homes48 plus or minus 26
- Median year structure built2005
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
How Elkhart gets to work
- Workers 16 and over who commute462 plus or minus 107
- Commuting under 15 minutes64 plus or minus 29
- Share commuting under 15 minutes13.9 percent plus or minus 5.4
- Commuting 30 minutes or more164 plus or minus 63
- Share commuting 30 minutes or more35.5 percent plus or minus 10.8
- Drove alone79.8 percent
- Carpooled6.9 percent plus or minus 3.3
- Public transport1.5 percent plus or minus 2.5
- Walked0.4 percent plus or minus 0.6
- Worked from home11.3 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
SBA loans in Elkhart (7(a))
- Approvals3
- Gross approval$390,000
- Average approval$130,000
- Median approval$140,000
- Largest approval$200,000
- Jobs supported12
- Jobs per approval4.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- 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 NAICS3
Counted by borrower city: approvals to borrowers whose address is in Elkhart, 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.
Elkhart
SBA loans in Elkhart (504)
- Approvals1
- Gross approval$1,719,000
- Average approval$1,719,000
- Median approval$1,719,000
- Largest approval$1,719,000
- Jobs supported47
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Elkhart, in any county, FY2010 to FY2026. Only 0 loans have 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.
Elkhart
Flood risk in Elkhart
- NFIP communityCity of Elkhart
- NFIP community number190229
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Elkhart participates in the National Flood Insurance Program as community 190229 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.
Polk County, not Elkhart
Polk County context, not Elkhart figures
- Establishments in Polk County13,890
- Covered employment, Polk County317,845
- Average annual pay, Polk County$72,557
- Housing units permitted, Polk County2,949
Every figure in this section is published for Polk County as a whole and is not a measurement of Elkhart.
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
Elkhart questions, answered from the record.
How many people live in Elkhart, Iowa?
899, in 349 households. Elkhart city covers 1.89 square miles of land, which is 477 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elkhart in?
Polk 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 Elkhart?
$84,554. The median owner-occupied home is valued at $253,900. Median gross rent is $836 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elkhart businesses?
3 7(a) approvals totaling $390,000 since FY2020, across 3 lenders, median approval $140,000, plus 1 504 approvals worth $1.7 m since FY2010. These count approvals to borrowers whose address is in Elkhart, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elkhart borrowers get paid back?
No rate is published for Elkhart. 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 Elkhart in the National Flood Insurance Program?
Yes. Elkhart appears in the FEMA Community Status Book as Elkhart, city of, community 190229, 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 Elkhart figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Polk 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 Elkhart.
Is zoning published for Elkhart?
No. Nothing on this page presents parcel level zoning.