Ringgold County, Iowa: commercial real estate data.
Ringgold County, Iowa has a population of 4,645 across 535 square miles, down 1.2 percent since the 2020 census base. 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.
106 sourced county values · tier FULL · 11 sections
Ringgold County
How many people live in Ringgold County
- Population4,645
- 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-equivalents2925th
Ringgold County is the 98th largest of 99 Iowa counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market 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 storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ringgold County
Is Ringgold County growing
- Population change since the 2020 census base-1.18 percent
- Census 2020 base population4,663
- 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
The county has lost 1.18 percent of its population 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.
Ringgold County
Where people moving to Ringgold County come from
- Tax returns filed by households arriving79
- People arriving, from those returns161
- Adjusted gross income arriving$4.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,494
- Largest single originRinggold County Non-migrants (1,641 households)
- Largest single destination (1,641 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ringgold County Non-migrants | 1,641 | 3,604 | $114.5 m |
| Other flows - Same State | 79 | 161 | $4.6 m |
The largest single source of arrivals is Ringgold 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.
Ringgold County
What the Ringgold County economy runs on
- 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 Iowa counties99th
- Rank by GDP among US county-equivalents2835th
- 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
Who employs people in Ringgold County
- Covered employment, annual average1,394
- Establishments reporting182
- Average annual pay$46,230
- Average weekly wage$889
- Sector 62, employment215
- Sector 62, average annual pay$32,480
- Sector 44-45, employment131
- Sector 44-45, average annual pay$28,680
- Sector 54, employment77
- Sector 54, average annual pay$69,916
- Sector 42, employment51
- Sector 42, average annual pay$66,818
- Sector 81, employment32
- Sector 52, employment28
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 215 | 17 | $32,480 |
| Sector 44-45 | 131 | 16 | $28,680 |
| Sector 54 | 77 | 12 | $69,916 |
| Sector 42 | 51 | 6 | $66,818 |
| Sector 81 | 32 | 12 | $32,890 |
| Sector 52 | 28 | 11 | $64,210 |
| Sector 53 | 3 | 3 | $33,036 |
The largest sector is the biggest private employer group at 215 jobs, 15.4 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.
Ringgold County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Ringgold County
What is being built in Ringgold County
- Housing units authorised by permit, 20243
- Declared construction value permitted$744,000
- Single family units authorised3
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$248,000
- Units authorised per 1,000 households1.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ringgold County
How much SBA lending happens in Ringgold County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$2.0 m
- Average 7(a) approval$278,800
- Median 7(a) approval$25,000
- 10th percentile approval$13,600
- 90th percentile approval$1,680,000
- 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
- Leading industry by approval countNewspaper Publishers (2)
- Most active lenderU.S. Bank, National Association (3)
The average approval of $278,800 sits well above the median of $25,000, 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 14.3 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.
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
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.
Ringgold County
Which parts of Ringgold County get the lending
- Places in the county with recorded lending2
- MOUNT AYR, approvals6
- Lamoni, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MOUNT AYR | 6 | $271,600 |
| Lamoni | 1 | $1,680,000 |
MOUNT AYR accounts for 6 approvals against 1 in Lamoni. 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.
Ringgold County
How big 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 boundary3
- 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.
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 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.
- Population4,645
- 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?
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 growing?
The population has fallen 1.18 percent since the 2020 census base. 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 there 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 the average wage in Ringgold County?
Average annual pay is $46,230, or $889 a week, across 1,394 covered jobs. 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 totalling $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.
What is being built in Ringgold County?
3 housing units were authorised 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.
Where do people moving to Ringgold County come from?
The largest single origin is Ringgold County Non-migrants, with 1,641 households. Arriving households report an average income of $58,494 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 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?
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.