Winnebago County, Iowa: commercial real estate data.
Winnebago County, Iowa has a population of 10,583 across 400 square miles, down 2.7 percent since the 2020 census base. County output reached $690.1 m in 2024, 300 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.9 m.
117 sourced county values · tier FULL · 11 sections
Winnebago County
How many people live in Winnebago County
- Population10,583
- Households4,641
- Average household size2.28
- Median household income$67,642
- Median age42.7
- Median gross rent$717 per month
- Median owner-occupied home value$135,000
- Home value to household income2.0 times
- Annual rent as a share of median income12.7 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over7,338
- Population under 182,229
- Share under 1821.1 percent
- Population 65 and over2,341
- Share 65 and over22.1 percent
- Working age population, 18 to 646,013
- Civilian labor force5,482
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over65.6 percent
- Rank by population among Iowa counties70th of 99
- Rank by population among US county-equivalents2447th
Winnebago County is the 70th largest of 99 Iowa counties by population. A median home costs 2.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 22.1 percent against 21.1 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.
Winnebago County
Is Winnebago County growing
- Population change since the 2020 census base-2.74 percent
- Census 2020 base population10,676
- Births, 202486
- Deaths, 2024139
- Natural change, 2024-53
- Net domestic migration, 2024-134
- Net international migration, 20245
- Total net migration, 2024-129
- Cumulative net domestic migration, 2021 to 2024-141
- Rank by growth among US county-equivalents2687th
The county has lost 2.74 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Winnebago County
Where people moving to Winnebago County come from
- Tax returns filed by households arriving241
- People arriving, from those returns423
- Adjusted gross income arriving$12.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,253
- Largest single originWinnebago County Non-migrants (4,093 households)
- Largest single destination (4,093 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Winnebago County Non-migrants | 4,093 | 8,162 | $296.8 m |
| Other flows - Different State | 98 | 179 | $5.2 m |
| Other flows - Same State | 66 | 115 | $3.9 m |
| Other flows - Midwest | 65 | 127 | $3.7 m |
| Other flows - West | 33 | 52 | $1.6 m |
| Worth County | 29 | 54 | $1.6 m |
| Cerro Gordo County | 27 | 37 | $860,000 |
| Hancock County | 21 | 38 | $761,000 |
The largest single source of arrivals is Winnebago 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.
Winnebago County
What the Winnebago County economy runs on
- County GDP, 2024$690.1 m
- County GDP, 2023$633.9 m
- GDP change, 2023 to 20248.9 percent
- GDP change over five years48.9 percent
- Rank by GDP among Iowa counties73rd
- Rank by GDP among US county-equivalents2154th
- GDP per resident$65,205
Output grew 8.9 percent in the latest year and 48.9 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.
Winnebago County
Who employs people in Winnebago County
- Covered employment, annual average4,041
- Establishments reporting393
- Average annual pay$47,021
- Average weekly wage$904
- Sector 44-45, employment508
- Sector 44-45, average annual pay$38,398
- Sector 31-33, employment307
- Sector 31-33, average annual pay$55,271
- Sector 11, employment282
- Sector 11, average annual pay$62,298
- Sector 72, employment188
- Sector 72, average annual pay$13,577
- Sector 23, employment174
- Sector 54, employment149
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 508 | 44 | $38,398 |
| Sector 31-33 | 307 | 22 | $55,271 |
| Sector 11 | 282 | 19 | $62,298 |
| Sector 72 | 188 | 19 | $13,577 |
| Sector 23 | 174 | 35 | $63,590 |
| Sector 54 | 149 | 32 | $62,906 |
| Sector 51 | 81 | 10 | $61,596 |
| Sector 71 | 68 | 5 | $16,470 |
The largest sector is the biggest private employer group at 508 jobs, 12.6 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.
Winnebago County
What businesses operate in Winnebago County
- Establishments, all industries300
- Employment at those establishments6,043
- Annual payroll$314.3 m
- Establishments per 1,000 residents28.3
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.
Winnebago County
What is being built in Winnebago County
- Housing units authorised by permit, 20244
- Declared construction value permitted$1.6 m
- Single family units authorised4
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$410,325
- Units authorised per 1,000 households0.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Winnebago County
How much SBA lending happens in Winnebago County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.9 m
- Average 7(a) approval$371,680
- Median 7(a) approval$35,000
- 10th percentile approval$19,200
- 90th percentile approval$1,700,000
- Largest single approval$1,700,000
- Jobs reported supported, 7(a)10
- Jobs per approval2.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals4
- Median 7(a) term93 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFitness and Recreational Sports Centers (2)
- Most active lenderClear Lake Bank & Trust Company (3)
- 504 approvals recorded2
- 504 gross approval dollars$777,000
- Average 504 approval$388,500
- Median 504 approval$649,000
- Distinct CDCs active1
- 504 jobs per approval2.5
- 504 jobs per million dollars approved6.4
- Most active CDCSiouxland Economic Development Corporation (2)
- 7(a) share of SBA approvals71.4 percent
- Combined SBA approval dollars$2.6 m
The average approval of $371,680 sits well above the median of $35,000, 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 0.0 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.
Winnebago County
Do SBA loans in Winnebago County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure1
- Status: Cancelled1
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.
Winnebago County
Which parts of Winnebago County get the lending
- Places in the county with recorded lending3
- FOREST CITY, approvals2
- LAKE MILLS, approvals2
- LELAND, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FOREST CITY | 2 | $120,000 |
| LAKE MILLS | 2 | $38,400 |
| LELAND | 1 | $1,700,000 |
FOREST CITY accounts for 2 approvals against 2 in LAKE MILLS. 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.
Winnebago County
How big is Winnebago County
- Land area400 sq mi
- Rank by land area among Iowa counties96th of 99
- Width, east to west23.8 mi
- Height, north to south16.9 mi
- Geographies sharing a boundary3
- Residents per square mile of land26
- Establishments per square mile0.75
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 Winnebago 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 Winnebago County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population10,583
- Households4,641
- Average household size2.28
- Median household income$67,642
- Median age42.7
Common questions
Winnebago County questions, answered from the record.
How many people live in Winnebago County, Iowa?
10,583, in 4,641 households, ranking 70th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Winnebago County growing?
The population has fallen 2.74 percent since the 2020 census base. In 2024 there were 86 births against 139 deaths, with net migration of -129. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Winnebago County?
$67,642. The median owner-occupied home is valued at $135,000, which is 2.0 times income, and median gross rent is $717 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Winnebago County?
300 establishments, employing 6,043 people with an annual payroll of $314.3 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 Winnebago County?
Average annual pay is $47,021, or $904 a week, across 4,041 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Winnebago County?
5 7(a) approvals totalling $1.9 m since FY2020, across 2 lenders, with a median approval of $35,000, plus 2 504 approvals worth $777,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Winnebago County?
4 housing units were authorised by permit in 2024, with a declared construction value of $1.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Winnebago 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 Winnebago County come from?
The largest single origin is Winnebago County Non-migrants, with 4,093 households. Arriving households report an average income of $51,253 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 Winnebago 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 Winnebago 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.