1st Advantage MortgageDavis County households have a median income of $77,194 and median rent of $868 a month (ACS 2020 to 2024). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Davis County by the numbers
- Housing costs in Davis County
- Employment and commuting in Davis County
- What Davis County households earn
- Davis County at the extremes
- Census places in Davis County
- Regional comparison for Davis County
- Debt-to-income at Davis County's medians
- Davis County demographics against Iowa
- What the numbers mean for Davis County borrowers
- Four steps for Davis County borrowers
- Iowa rules that apply in Davis County
- Nearby and statewide guides
- Frequently asked questions
Davis County by the numbers
The latest five-year Census estimate puts Davis County's population at 9,157; only 80 of Iowa's 99 county-level areas are larger. Density: about 18.2 residents per square mile across 502 square miles of land. No metropolitan area includes Davis County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Bloomfield is the biggest of its 4 Census places, at roughly 2,742 people (30% of the county total). At 9,157 people, Davis County is a small survey sample, so small differences in these figures may be noise.
Housing costs in Davis County
Half of Davis County renters pay more than $868 a month and half pay less; the Iowa midpoint is $972. 25% of renting households spend 30% or more of income on rent, and 9% spend half or more. Home values center on $161,900, or 2.1 years of median income. Homeowners 83%, renters 17%. The median home was built in 1973, so roofs, wiring and heating systems are a common source of repair bills.
| Housing | Davis County | Iowa statewide | Davis County vs state |
|---|---|---|---|
| Rent-burdened renters | 25% | 44% | -18.9 pts |
| Owners | 83% | 72% | +11.6 pts |
| Mobile homes | 7.8% | 3.2% | +4.6 pts |
| Vacant units | 11% | 8% | +2.9 pts |
| Median home value | $161,900 | $208,000 | 22% lower |
| Median gross rent | $868/mo | $972/mo | 11% lower |
| Burdened owners | 21% | 20% | +0.9 pts |
Davis County owners: get one secured and one unsecured quote, then compare the total cost and what you would put up as collateral (side by side).
Employment and commuting in Davis County
The biggest employer of Davis County residents, by industry, is education and health care at 18% of workers, followed by manufacturing (17%). Davis County over-indexes on agriculture, forestry and mining: 11% versus 4% in Iowa. Averaged over the five survey years, 2.7% of the labor force was out of work and looking. About 67% drive to work alone and 19% have trips of 45 minutes or more. No car: 15.6% of Davis County households.
| Industry | Share of Davis County workers | vs Iowa |
|---|---|---|
| Education and health care | 18.4% | -5.8 pts |
| Manufacturing | 17.2% | +2.5 pts |
| Retail trade | 12.1% | +0.6 pts |
| Agriculture, forestry and mining | 11.3% | +7.6 pts |
| Construction | 8.9% | +2.0 pts |
| Transportation, warehousing and utilities | 6.8% | +1.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What Davis County households earn
Half of Davis County households take in less than $77,194 a year and half take in more, 3% above the Iowa median of $75,059. That places it 23rd among Iowa's 99 county-level areas.
| Income band | Share in Davis County | Difference from Iowa |
|---|---|---|
| Under $35,000 | 18.3% | -2.8 pts |
| $35,000 to $99,999 | 46.3% | +3.5 pts |
| $100,000 to $199,999 | 29.6% | +2.2 pts |
| $200,000 or more | 5.7% | -2.8 pts |
About 18% of households earn under $35,000, while 35% clear $100,000. Poverty rate, Davis County: 7.2%; Iowa: 11.1%. For a borrower in Davis County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Davis County at the extremes
Where Davis County lands at the extremes of Iowa's county rankings:
- On households without a vehicle, Davis County sits near the top of Iowa at 15.6%, the highest of 99. Without a car, transit and ride costs belong in the budget before any payment.
- Few Iowa counties match Davis County on the uninsured rate: 25.1% here, 5.0% for the state, ranking the highest of 99. Hospital payment plans are usually interest-free; compare before a loan.
- On the share of renters paying 30% or more of income for rent, Davis County sits near the bottom of Iowa at 25%, 5th lowest of 99. Rents are manageable for most, which can leave space for savings.
Census places in Davis County
3,422 of Davis County's 9,157 residents live in its 4 Census places (37%); the 4 largest are listed. Bloomfield and every other Davis County community use this county guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Bloomfield | city | 2,742 | $60,769 | $951 | 0 mi |
| Pulaski | city | 403 | $73,438 | $747 | 8 mi |
| Drakesville | city | 149 | $81,250 | n/a | 5 mi |
| Floris | city | 128 | n/a | n/a | 9 mi |
Regional comparison for Davis County
The six counties whose centers lie closest to Davis County's, from 20 to 29 miles away. Scotland County leads the group on income ($68,913), Appanoose County trails ($54,934), and Davis County out-earns 6 of the six. The list crosses into Missouri, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Davis County | - | $77,194 | $868/mo | 83% |
| Wapello County, IA | 20 mi | $64,766 | $920/mo | 68% |
| Schuyler County, MO | 20 mi | $61,205 | $382/mo | 80% |
| Van Buren County, IA | 24 mi | $61,161 | $622/mo | 82% |
| Appanoose County, IA | 24 mi | $54,934 | $784/mo | 69% |
| Scotland County, MO | 25 mi | $68,913 | $511/mo | 82% |
| Jefferson County, IA | 29 mi | $61,620 | $883/mo | 68% |
Debt-to-income at Davis County's medians
DTI math using Davis County medians ($77,194 income, $868 rent):
- $77,194 a year is $6,433 of gross monthly income
- Housing at the median rent of $868 uses 13%
- With a 40% ceiling, about $1,705 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Davis County demographics against Iowa
Degree holders: 17% of adults over 25. Health coverage gaps: 25.1% of Davis County residents are uninsured.
| Indicator | Davis County | +/- Iowa | +/- U.S. county |
|---|---|---|---|
| No health insurance | 25.1% | +20.1 pts | +17.3 pts |
| Bachelor's or higher | 17.1% | -14.4 pts | -5.1 pts |
| No high school diploma | 19.1% | +12.3 pts | n/a |
| No vehicle | 15.6% | +10.2 pts | +10.2 pts |
| Poverty rate | 7.2% | -3.9 pts | -6.0 pts |
| Median age | 36.3 | -2.3 yrs | -5.2 yrs |
| Unemployment (ACS) | 2.7% | -0.9 pts | -1.7 pts |
| Work from home | 11.5% | +0.2 pts | +2.8 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 37.5% |
| 15 to 29 min | 24.4% |
| 30 to 44 min | 18.8% |
| 45 to 59 min | 12.0% |
| 60+ min | 7.2% |
What the numbers mean for Davis County borrowers
- Medical bills. 25% of Davis County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- 19% long commutes. A Davis County repair bill is often urgent; compare the shop's financing with a loan in writing.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Four steps for Davis County borrowers
Steps that save money for Davis County residents:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Davis County-area credit union.
- Confirm the lender is licensed in Iowa.
- Ask about early-payoff penalties.
Iowa rules that apply in Davis County
The Iowa Division of Banking is the place to verify any lender's Iowa license. Nationally, Davis County residents can file with the CFPB. Statewide data and rules: Iowa guide.
Nearby and statewide guides
Statewide:
Frequently asked questions
Where does Davis County rank on income in Iowa?
23rd of 99, with a median of $77,194. The state median is $75,059.
How does Davis County rent compare with Iowa?
$868 locally versus $972 for the state, 11% below.
Can Davis County owners borrow against a $161,900 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
I live in a small Davis County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Bloomfield, Pulaski, Drakesville, Floris.
Will a Davis County address affect my match?
Beyond confirming Iowa as your state, no. Your answers about amount, credit, income and payments are all that count.