Jones County, Iowa: commercial real estate data.
Jones County, Iowa has a population of 20,896 across 576 square miles, up 2.3 percent since the 2020 census base. County output reached $858.3 m in 2024, 514 establishments operate here, and the SBA record carries 12 7(a) approvals worth $6.1 m.
118 sourced county values · tier FULL · 11 sections
Jones County
How many people live in Jones County
- Population20,896
- Households8,198
- Average household size2.55
- Median household income$73,531
- Median age42.8
- Median gross rent$784 per month
- Median owner-occupied home value$184,800
- Home value to household income2.5 times
- Annual rent as a share of median income12.8 percent
- Adults 25 and over with a bachelor degree or higher22.0 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over15,150
- Population under 184,212
- Share under 1820.2 percent
- Population 65 and over4,459
- Share 65 and over21.3 percent
- Working age population, 18 to 6412,225
- Civilian labor force10,321
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over61.9 percent
- Rank by population among Iowa counties29th of 99
- Rank by population among US county-equivalents1828th
Jones County is the 29th largest of 99 Iowa counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 20.2 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.
Jones County
Is Jones County growing
- Population change since the 2020 census base2.29 percent
- Census 2020 base population20,643
- Births, 2024175
- Deaths, 2024204
- Natural change, 2024-29
- Net domestic migration, 2024225
- Net international migration, 20246
- Total net migration, 2024231
- Cumulative net domestic migration, 2021 to 2024630
- Rank by growth among US county-equivalents1075th
The county has grown 2.29 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Jones County
Where people moving to Jones County come from
- Tax returns filed by households arriving429
- People arriving, from those returns776
- Adjusted gross income arriving$26.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,662
- Largest single originJones County Non-migrants (7,541 households)
- Largest single destination (7,541 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jones County Non-migrants | 7,541 | 15,687 | $581.1 m |
| Linn County | 125 | 212 | $6.6 m |
| Other flows - Different State | 117 | 221 | $7.0 m |
| Other flows - Same State | 106 | 194 | $7.0 m |
| Other flows - Midwest | 60 | 113 | $3.8 m |
| Dubuque County | 40 | 90 | $3.8 m |
| Other flows - South | 29 | 57 | $1.8 m |
| Other flows - West | 28 | 51 | $1.4 m |
The largest single source of arrivals is Jones 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.
Jones County
What the Jones County economy runs on
- County GDP, 2024$858.3 m
- County GDP, 2023$869.9 m
- GDP change, 2023 to 2024-1.3 percent
- GDP change over five years29.0 percent
- Rank by GDP among Iowa counties59th
- Rank by GDP among US county-equivalents1971st
- GDP per resident$41,073
Output grew -1.3 percent in the latest year and 29.0 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.
Jones County
Who employs people in Jones County
- Covered employment, annual average6,253
- Establishments reporting667
- Average annual pay$50,095
- Average weekly wage$963
- Sector 62, employment800
- Sector 62, average annual pay$44,153
- Sector 31-33, employment766
- Sector 31-33, average annual pay$65,727
- Sector 44-45, employment740
- Sector 44-45, average annual pay$33,503
- Sector 23, employment633
- Sector 23, average annual pay$67,477
- Sector 72, employment497
- Sector 42, employment353
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 800 | 80 | $44,153 |
| Sector 31-33 | 766 | 31 | $65,727 |
| Sector 44-45 | 740 | 64 | $33,503 |
| Sector 23 | 633 | 76 | $67,477 |
| Sector 72 | 497 | 40 | $17,232 |
| Sector 42 | 353 | 55 | $71,521 |
| Sector 52 | 191 | 37 | $67,876 |
| Sector 54 | 150 | 37 | $80,382 |
The largest sector is the biggest private employer group at 800 jobs, 12.8 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.
Jones County
What businesses operate in Jones County
- Establishments, all industries514
- Employment at those establishments4,620
- Annual payroll$214.7 m
- Establishments per 1,000 residents24.6
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.
Jones County
What is being built in Jones County
- Housing units authorised by permit, 202420
- Declared construction value permitted$6.9 m
- Single family units authorised18
- Multifamily units authorised2
- Multifamily share of units10.0 percent
- Average declared value per unit$344,643
- Units authorised per 1,000 households2.4
Multifamily is 10.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Jones County
How much SBA lending happens in Jones County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$6.1 m
- Average 7(a) approval$510,367
- Median 7(a) approval$289,000
- 10th percentile approval$90,000
- 90th percentile approval$610,000
- Largest single approval$3,150,000
- Jobs reported supported, 7(a)72
- Jobs per approval6.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals10
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (2)
- Most active lenderCitizens State Bank (5)
- 504 approvals recorded11
- 504 gross approval dollars$5.9 m
- Average 504 approval$536,455
- Median 504 approval$156,000
- Distinct CDCs active2
- 504 jobs per approval14.0
- 504 jobs per million dollars approved26.1
- Most active CDCBlack Hawk Economic Development, Inc. (6)
- 7(a) share of SBA approvals52.2 percent
- Combined SBA approval dollars$12.0 m
The average approval of $510,367 sits well above the median of $289,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 16.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Jones County
Do SBA loans in Jones County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure7
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Jones County
Which parts of Jones County get the lending
- Places in the county with recorded lending4
- Monticello, approvals5
- ANAMOSA, approvals5
- Olin, approvals1
- MECHANICSVILLE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Monticello | 5 | $4,215,000 |
| ANAMOSA | 5 | $1,129,400 |
| Olin | 1 | $170,000 |
| MECHANICSVILLE | 1 | $610,000 |
Monticello accounts for 5 approvals against 5 in ANAMOSA. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Jones County
How big is Jones County
- Land area576 sq mi
- Rank by land area among Iowa counties37th of 99
- Width, east to west24 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.89
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 Jones 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 Jones County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population20,896
- Households8,198
- Average household size2.55
- Median household income$73,531
- Median age42.8
Common questions
Jones County questions, answered from the record.
How many people live in Jones County, Iowa?
20,896, in 8,198 households, ranking 29th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jones County growing?
The population has grown 2.29 percent since the 2020 census base. In 2024 there were 175 births against 204 deaths, with net migration of 231. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jones County?
$73,531. The median owner-occupied home is valued at $184,800, which is 2.5 times income, and median gross rent is $784 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jones County?
514 establishments, employing 4,620 people with an annual payroll of $214.7 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 Jones County?
Average annual pay is $50,095, or $963 a week, across 6,253 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jones County?
12 7(a) approvals totalling $6.1 m since FY2020, across 6 lenders, with a median approval of $289,000, plus 11 504 approvals worth $5.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Jones County?
20 housing units were authorised by permit in 2024, with a declared construction value of $6.9 m. Multifamily was 10.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jones 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 Jones County come from?
The largest single origin is Jones County Non-migrants, with 7,541 households. Arriving households report an average income of $60,662 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 Jones 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 Jones 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.