Emmet County, Iowa: commercial real estate data.
Emmet County, Iowa has a population of 9,262 across 396 square miles, down 2.4 percent since the 2020 census base. County output reached $519.1 m in 2024, 268 establishments operate here, and the SBA record carries 5 7(a) approvals worth $4.0 m.
112 sourced county values · tier FULL · 10 sections
Emmet County
How many people live in Emmet County
- Population9,262
- Households4,063
- Average household size2.28
- Median household income$63,730
- Median age42.9
- Median gross rent$733 per month
- Median owner-occupied home value$114,100
- Home value to household income1.8 times
- Annual rent as a share of median income13.8 percent
- Adults 25 and over with a bachelor degree or higher17.1 percent
- Adults 25 and over with a graduate degree4.4 percent
- Adults 25 and over6,549
- Population under 181,766
- Share under 1819.1 percent
- Population 65 and over2,230
- Share 65 and over24.1 percent
- Working age population, 18 to 645,266
- Civilian labor force5,083
- Unemployment rate1.7 percent
- Labor force participation, adults 18 and over67.8 percent
- Rank by population among Iowa counties80th of 99
- Rank by population among US county-equivalents2546th
Emmet County is the 80th largest of 99 Iowa counties by population. A median home costs 1.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 24.1 percent against 19.1 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Emmet County
Is Emmet County growing
- Population change since the 2020 census base-2.41 percent
- Census 2020 base population9,388
- Births, 2024111
- Deaths, 2024116
- Natural change, 2024-5
- Net domestic migration, 2024-112
- Net international migration, 20240
- Total net migration, 2024-112
- Cumulative net domestic migration, 2021 to 2024-83
- Rank by growth among US county-equivalents2604th
The county has lost 2.41 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Emmet County
Where people moving to Emmet County come from
- Tax returns filed by households arriving191
- People arriving, from those returns325
- Adjusted gross income arriving$9.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,372
- Largest single originEmmet County Non-migrants (3,526 households)
- Largest single destination (3,526 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Emmet County Non-migrants | 3,526 | 7,044 | $239.9 m |
| Other flows - Different State | 70 | 111 | $3.5 m |
| Other flows - Midwest | 70 | 111 | $3.5 m |
| Other flows - Same State | 66 | 115 | $3.4 m |
| Dickinson County | 35 | 52 | $1.1 m |
| Palo Alto County | 20 | 47 | $992,000 |
The largest single source of arrivals is Emmet County Non-migrants, 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.
Emmet County
What the Emmet County economy runs on
- County GDP, 2024$519.1 m
- County GDP, 2023$457.0 m
- GDP change, 2023 to 202413.6 percent
- GDP change over five years44.7 percent
- Rank by GDP among Iowa counties85th
- Rank by GDP among US county-equivalents2382nd
- GDP per resident$56,044
Output grew 13.6 percent in the latest year and 44.7 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.
Emmet County
Who employs people in Emmet County
- Covered employment, annual average3,286
- Establishments reporting330
- Average annual pay$48,094
- Average weekly wage$925
- Sector 31-33, employment624
- Sector 31-33, average annual pay$61,019
- Sector 44-45, employment420
- Sector 44-45, average annual pay$30,035
- Sector 23, employment148
- Sector 23, average annual pay$51,934
- Sector 42, employment113
- Sector 42, average annual pay$77,587
- Sector 11, employment111
- Sector 81, employment104
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 624 | 19 | $61,019 |
| Sector 44-45 | 420 | 38 | $30,035 |
| Sector 23 | 148 | 42 | $51,934 |
| Sector 42 | 113 | 22 | $77,587 |
| Sector 11 | 111 | 15 | $50,086 |
| Sector 81 | 104 | 25 | $38,348 |
| Sector 52 | 94 | 17 | $65,196 |
| Sector 54 | 72 | 20 | $72,681 |
The largest sector is the biggest private employer group at 624 jobs, 19.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Emmet County
What businesses operate in Emmet County
- Establishments, all industries268
- Employment at those establishments2,726
- Annual payroll$123.0 m
- Establishments per 1,000 residents28.9
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Emmet County
What is being built in Emmet County
- Housing units authorised by permit, 202473
- Declared construction value permitted$8.7 m
- Single family units authorised6
- Multifamily units authorised67
- Multifamily share of units91.8 percent
- Average declared value per unit$119,041
- Units authorised per 1,000 households18.0
Multifamily is 91.8 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Emmet County
How much SBA lending happens in Emmet County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$4.0 m
- Average 7(a) approval$798,500
- Median 7(a) approval$600,000
- 10th percentile approval$60,000
- 90th percentile approval$1,907,500
- Largest single approval$1,907,500
- Jobs reported supported, 7(a)89
- Jobs per approval17.8
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countNursing Care Facilities (Skilled Nursing Facilities) (1)
- Most active lenderHomeTrust Bank (1)
- 504 approvals recorded2
- 504 gross approval dollars$441,000
- Average 504 approval$220,500
- Median 504 approval$315,000
- Distinct CDCs active2
- 504 jobs per approval6.5
- 504 jobs per million dollars approved29.5
- Most active CDCDakota Business Finance (1)
- 7(a) share of SBA approvals71.4 percent
- Combined SBA approval dollars$4.4 m
The average approval of $798,500 sits close to the median of $600,000, so lending here is fairly evenly sized rather than driven by a few large deals. 40.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Emmet County
Do SBA loans in Emmet County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure4
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Emmet County
How big is Emmet County
- Land area396 sq mi
- Rank by land area among Iowa counties98th of 99
- Width, east to west23.7 mi
- Height, north to south17 mi
- Geographies sharing a boundary3
- Residents per square mile of land23
- Establishments per square mile0.68
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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Emmet 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 Emmet County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,262
- Households4,063
- Average household size2.28
- Median household income$63,730
- Median age42.9
Common questions
Emmet County questions, answered from the record.
How many people live in Emmet County, Iowa?
9,262, in 4,063 households, ranking 80th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Emmet County growing?
The population has fallen 2.41 percent since the 2020 census base. In 2024 there were 111 births against 116 deaths, with net migration of -112. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Emmet County?
$63,730. The median owner-occupied home is valued at $114,100, which is 1.8 times income, and median gross rent is $733 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Emmet County?
268 establishments, employing 2,726 people with an annual payroll of $123.0 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Emmet County?
Average annual pay is $48,094, or $925 a week, across 3,286 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Emmet County?
5 7(a) approvals totalling $4.0 m since FY2020, across 5 lenders, with a median approval of $600,000, plus 2 504 approvals worth $441,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Emmet County?
73 housing units were authorised by permit in 2024, with a declared construction value of $8.7 m. Multifamily was 91.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Emmet 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 Emmet County come from?
The largest single origin is Emmet County Non-migrants, with 3,526 households. Arriving households report an average income of $47,372 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Emmet 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 Emmet County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.