Osceola County, Iowa: commercial real estate data.
Osceola County, Iowa has a population of 6,100 across 399 square miles, down 2.5 percent since the 2020 census base. County output reached $602.1 m in 2024, 192 establishments operate here, and the SBA record carries 2 7(a) approvals worth $580,000.
115 sourced county values · tier FULL · 11 sections
Osceola County
How many people live in Osceola County
- Population6,100
- Households2,634
- Average household size2.32
- Median household income$69,239
- Median age43.1
- Median gross rent$797 per month
- Median owner-occupied home value$122,600
- 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 higher16.7 percent
- Adults 25 and over with a graduate degree4.1 percent
- Adults 25 and over4,295
- Population under 181,383
- Share under 1822.7 percent
- Population 65 and over1,389
- Share 65 and over22.8 percent
- Working age population, 18 to 643,328
- Civilian labor force3,160
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over67.0 percent
- Rank by population among Iowa counties95th of 99
- Rank by population among US county-equivalents2803rd
Osceola County is the 95th 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 22.8 percent against 22.7 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.
Osceola County
Is Osceola County growing
- Population change since the 2020 census base-2.54 percent
- Census 2020 base population6,193
- Births, 202462
- Deaths, 202459
- Natural change, 20243
- Net domestic migration, 2024-13
- Net international migration, 202429
- Total net migration, 202416
- Cumulative net domestic migration, 2021 to 2024-200
- Rank by growth among US county-equivalents2647th
The county has lost 2.54 percent of its population since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Osceola County
Where people moving to Osceola County come from
- Tax returns filed by households arriving120
- People arriving, from those returns213
- Adjusted gross income arriving$5.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$42,450
- Largest single originOsceola County Non-migrants (2,310 households)
- Largest single destination (2,310 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Osceola County Non-migrants | 2,310 | 4,889 | $167.9 m |
| Other flows - Same State | 53 | 91 | $1.8 m |
| Other flows - Different State | 42 | 76 | $2.2 m |
| Other flows - Midwest | 42 | 76 | $2.2 m |
| O'Brien County | 25 | 46 | $1.1 m |
The largest single source of arrivals is Osceola 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.
Osceola County
What the Osceola County economy runs on
- County GDP, 2024$602.1 m
- County GDP, 2023$491.6 m
- GDP change, 2023 to 202422.5 percent
- GDP change over five years80.4 percent
- Rank by GDP among Iowa counties81st
- Rank by GDP among US county-equivalents2274th
- GDP per resident$98,706
Output grew 22.5 percent in the latest year and 80.4 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.
Osceola County
Who employs people in Osceola County
- Covered employment, annual average2,676
- Establishments reporting272
- Average annual pay$49,894
- Average weekly wage$959
- Sector 11, employment752
- Sector 11, average annual pay$52,830
- Sector 31-33, employment341
- Sector 31-33, average annual pay$58,578
- Sector 62, employment339
- Sector 62, average annual pay$47,337
- Sector 42, employment142
- Sector 42, average annual pay$74,285
- Sector 44-45, employment138
- Sector 48-49, employment125
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 752 | 47 | $52,830 |
| Sector 31-33 | 341 | 14 | $58,578 |
| Sector 62 | 339 | 23 | $47,337 |
| Sector 42 | 142 | 20 | $74,285 |
| Sector 44-45 | 138 | 18 | $25,590 |
| Sector 48-49 | 125 | 27 | $53,565 |
| Sector 23 | 116 | 24 | $50,884 |
| Sector 72 | 94 | 10 | $13,749 |
The largest sector is the biggest private employer group at 752 jobs, 28.1 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.
Osceola County
What businesses operate in Osceola County
- Establishments, all industries192
- Employment at those establishments1,896
- Annual payroll$87.4 m
- Establishments per 1,000 residents31.5
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.
Osceola County
What is being built in Osceola County
- Housing units authorised by permit, 20246
- Declared construction value permitted$1.8 m
- Single family units authorised4
- Multifamily units authorised2
- Multifamily share of units33.3 percent
- Average declared value per unit$291,667
- Units authorised per 1,000 households2.3
Multifamily is 33.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Osceola County
How much SBA lending happens in Osceola County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$580,000
- Average 7(a) approval$290,000
- Median 7(a) approval$530,000
- 10th percentile approval$50,000
- 90th percentile approval$530,000
- Largest single approval$530,000
- Jobs reported supported, 7(a)4
- Jobs per approval2.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (1)
- Most active lenderCeltic Bank Corporation (1)
- 504 approvals recorded2
- 504 gross approval dollars$283,000
- Average 504 approval$141,500
- Median 504 approval$217,000
- Distinct CDCs active2
- 504 jobs per approval8.0
- 504 jobs per million dollars approved56.5
- Most active CDCMidwest Business Finance Corporation (1)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$863,000
The average approval of $290,000 sits close to the median of $530,000, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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.
Osceola County
Do SBA loans in Osceola County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure1
- Status: Paid in full1
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.
Osceola County
Which parts of Osceola County get the lending
- Places in the county with recorded lending2
- OCHEYEDAN, approvals1
- Sibley, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OCHEYEDAN | 1 | $50,000 |
| Sibley | 1 | $530,000 |
OCHEYEDAN accounts for 1 approvals against 1 in Sibley. 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.
Osceola County
How big is Osceola County
- Land area399 sq mi
- Rank by land area among Iowa counties97th of 99
- Width, east to west23.8 mi
- Height, north to south16.9 mi
- Geographies sharing a boundary3
- Residents per square mile of land15
- Establishments per square mile0.48
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 Osceola 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 Osceola County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population6,100
- Households2,634
- Average household size2.32
- Median household income$69,239
- Median age43.1
Common questions
Osceola County questions, answered from the record.
How many people live in Osceola County, Iowa?
6,100, in 2,634 households, ranking 95th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Osceola County growing?
The population has fallen 2.54 percent since the 2020 census base. In 2024 there were 62 births against 59 deaths, with net migration of 16. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Osceola County?
$69,239. The median owner-occupied home is valued at $122,600, which is 1.8 times income, and median gross rent is $797 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Osceola County?
192 establishments, employing 1,896 people with an annual payroll of $87.4 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 Osceola County?
Average annual pay is $49,894, or $959 a week, across 2,676 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Osceola County?
2 7(a) approvals totalling $580,000 since FY2020, across 2 lenders, with a median approval of $530,000, plus 2 504 approvals worth $283,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Osceola County?
6 housing units were authorised by permit in 2024, with a declared construction value of $1.8 m. Multifamily was 33.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Osceola 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 Osceola County come from?
The largest single origin is Osceola County Non-migrants, with 2,310 households. Arriving households report an average income of $42,450 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 Osceola 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 Osceola 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.