Ringgold County, Iowa: commercial real estate data.
Ringgold County, Iowa had an estimated 4,608 residents on July 1, 2024, down 1.2 percent since the 2020 census base of 4,663, across 535 square miles. County output reached $233.7 m in 2024, 131 establishments operate here, and the SBA record carries 7 7(a) approvals worth $2.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ringgold County
How many people live in Ringgold County
- Population, American Community Survey 2020-20244,645
- Households1,899
- Average household size2.45
- Median household income$73,346
- Median age44.5
- Median gross rent$710 per month
- Median owner-occupied home value$156,200
- Home value to household income2.1 times
- Annual rent as a share of median income11.6 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over3,231
- Population under 181,042
- Share under 1822.4 percent
- Population 65 and over1,099
- Share 65 and over23.7 percent
- Working age population, 18 to 642,504
- Civilian labor force2,333
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over64.8 percent
- Rank by population among Iowa counties98th of 99
- Rank by population among US county-equivalents, Puerto Rico included2925th of 3,222
Ringgold County is the 98th 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 23.7 percent against 22.4 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.
Ringgold County
Is Ringgold County's population growing?
- Population, July 1, 20244,608
- Census 2020 base population4,663
- Population change since the 2020 census base-1.18 percent
- Population change, 2023 to 2024-38
- Births, 202435
- Deaths, 202480
- Natural change, 2024-45
- Net domestic migration, 20244
- Net international migration, 20244
- Total net migration, 20248
- Cumulative net domestic migration, 2021 to 2024131
- Rank by growth among US county-equivalents2260th of 3,144
The county has lost 1.18 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ringgold County
Where are people moving to Ringgold County from?
- Tax returns filed by households arriving79
- People arriving, from those returns161
- Tax returns filed by households leaving73
- Net household movement6
- Adjusted gross income arriving$4.6 m
- Net adjusted gross income movement$1.9 m
- Average income of an arriving household$58,494
- Average income of a leaving household$37,315
- Largest single destinationUnion County (27 households)
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $21,179 more average income than households leaving, so the migration is raising local spending power rather than just moving it around.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Ringgold County
What is the Ringgold County economy?
- County GDP, 2024$233.7 m
- County GDP, 2023$210.5 m
- GDP change, 2023 to 202411.0 percent
- GDP change over five years30.1 percent
- Rank by GDP among the Iowa areas BEA publishes99th of 99
- Rank by GDP among the US county areas BEA publishes2835th of 3,127
- GDP per resident$50,312
Output grew 11.0 percent in the latest year and 30.1 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.
Ringgold County
Employment by industry in Ringgold County
- Covered employment, annual average1,394
- Establishments reporting182
- Average annual pay$46,230
- Average weekly wage$889
- Health care and social assistance, employment215
- Health care and social assistance, average annual pay$32,480
- Retail trade, employment131
- Retail trade, average annual pay$28,680
- Professional, scientific and technical services, employment77
- Professional, scientific and technical services, average annual pay$69,916
- Wholesale trade, employment51
- Wholesale trade, average annual pay$66,818
- Other services, except public administration, employment32
- Finance and insurance, employment28
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 215 | 17 | $32,480 |
| Retail trade | 131 | 16 | $28,680 |
| Professional, scientific and technical services | 77 | 12 | $69,916 |
| Wholesale trade | 51 | 6 | $66,818 |
| Other services, except public administration | 32 | 12 | $32,890 |
| Finance and insurance | 28 | 11 | $64,210 |
| Real estate and rental and leasing | 3 | 3 | $33,036 |
Health care and social assistance is the largest private sector at 215 jobs, 15.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ringgold County
How many businesses are in Ringgold County?
- Establishments, all industries131
- Employment at those establishments1,112
- Annual payroll$48.6 m
- Establishments per 1,000 residents28.2
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.
Ringgold County
Building permits in Ringgold County
- Housing units authorized by permit, 20243
- Declared construction value permitted$744,000
- Single family units authorized3
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$248,000
- Units authorized per 1,000 households1.6
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.
Ringgold County
SBA loans in Ringgold County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$2.0 m
- Average 7(a) approval$278,800
- Median 7(a) approval$25,000
- Largest single approval$1,680,000
- Jobs reported supported, 7(a)45
- Jobs per approval6.4
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderU.S. Bank, National Association (3)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ringgold County
SBA loan default and charge-off rates in Ringgold County
Do SBA loans in Ringgold County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full1
- Status: Committed, not yet disbursed1
Only 1 loan has 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.
Ringgold County
SBA lending by place in Ringgold County
- Borrower cities with recorded lending2
- Mount Ayr, approvals6
- Lamoni, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mount Ayr | 6 | $271,600 |
| Lamoni | 1 | $1,680,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ringgold County
How large is Ringgold County?
- Land area535 sq mi
- Rank by land area among Iowa counties63rd of 99
- Width, east to west24 mi
- Height, north to south22.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land9
- Establishments per square mile0.24
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.
Ringgold County
Flood risk in Ringgold County
- Participation of the county's own NFIP community Ringgold County, unincorporated areasParticipating, community 190903
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 percent
- Communities carrying a CRS class0
- Radon levels in Ringgold 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 Ringgold County (community 190903), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ringgold 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. 87.5 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 Ringgold 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 Ringgold County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20244,645
- Households1,899
- Average household size2.45
- Median household income$73,346
- Median age44.5
Common questions
Ringgold County questions, answered from the record.
How many people live in Ringgold County, Iowa?
The Census Bureau estimates 4,608 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 4,645, in 1,899 households, ranking 98th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ringgold County's population growing?
The population has fallen 1.18 percent since the 2020 census base of 4,663, to 4,608 on July 1, 2024. In 2024 there were 35 births against 80 deaths, with net migration of 8. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ringgold County?
$73,346. The median owner-occupied home is valued at $156,200, which is 2.1 times income, and median gross rent is $710 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ringgold County?
131 establishments, employing 1,112 people with an annual payroll of $48.6 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 Ringgold County?
Health care and social assistance is the largest private sector at 215 jobs, 15.4 percent of covered employment. Covered employment averages 1,394 jobs at an average annual pay of $46,230, or $889 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ringgold County?
7 7(a) approvals totaling $2.0 m since FY2020, across 4 lenders, with a median approval of $25,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Ringgold County?
3 housing units were authorized by permit in 2024, with a declared construction value of $744,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ringgold 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.
Are traffic counts available for Ringgold 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 Ringgold 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.
Ringgold County
Cities and places in Ringgold.
13 Census places lie wholly or partly in Ringgold County. All 13 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 |
|---|---|---|---|---|
| Mount Ayr | city | 1,816 | 6 | Wholly in this county |
| Diagonal | city | 454 | None recorded | Wholly in this county |
| Clearfield | city | 396 | None recorded | 5.1 percent here, 94.9 percent Taylor County |
| Kellerton | city | 286 | None recorded | Wholly in this county |
| Sun Valley Lake | CDP | 163 | None recorded | Wholly in this county |
| Tingley | city | 128 | None recorded | Wholly in this county |
| Shannon City | city | 115 | None recorded | 40.0 percent here, 60.0 percent Union County |
| Redding | city | 51 | None recorded | Wholly in this county |
| Maloy | city | 30 | None recorded | Wholly in this county |
| Ellston | city | 28 | None recorded | Wholly in this county |
| Benton | city | 27 | None recorded | Wholly in this county |
| Beaconsfield | city | 8 | None recorded | Wholly in this county |
| Delphos | CDP | 4 | None recorded | Wholly in this county |
A further 1 of the county's 7 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ringgold County, the largest being Lamoni (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby