1st Advantage MortgageFloyd County households have a median income of $68,557 and median rent of $745 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
- Who lives in Floyd County
- Jobs and commutes in Floyd County
- Household income in Floyd County
- Housing costs in Floyd County
- Floyd County next to its neighbors
- Floyd County towns compared
- A Floyd County household budget, worked through
- More Floyd County figures
- Before borrowing in Floyd County
- Lender oversight for Floyd County
- Before you sign
- More guides for Floyd County
- Frequently asked questions
Who lives in Floyd County
The latest five-year Census estimate puts Floyd County's population at 15,328; only 48 of Iowa's 99 county-level areas are larger. Spread over 501 square miles, that works out to roughly 30.6 residents per square mile. Under the July 2023 OMB definitions, Floyd County is not part of any metropolitan area. Of the 9 Census places inside Floyd County, Charles City leads by population with about 7,232; 8 of the 9 are incorporated.
Jobs and commutes in Floyd County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 18%. Manufacturing stands out: 18% of workers here, versus 15% statewide. ACS puts five-year average unemployment at 3.3% in Floyd County. 7% of commuters travel 45 minutes or more each way, and 8% work from home.
| Industry | Share of Floyd County workers | vs Iowa |
|---|---|---|
| Education and health care | 21.8% | -2.4 pts |
| Manufacturing | 18.2% | +3.4 pts |
| Retail trade | 11.5% | 0.0 pts |
| Construction | 8.5% | +1.6 pts |
| Arts, lodging and food service | 6.5% | -0.4 pts |
| Agriculture, forestry and mining | 6.4% | +2.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Household income in Floyd County
Floyd County households have a median income of $68,557 (ACS 2020 to 2024), which ranks 60th of 99 in Iowa.
| Income band | Share in Floyd County | Difference from Iowa |
|---|---|---|
| Under $35,000 | 24.9% | +3.7 pts |
| $35,000 to $99,999 | 45.8% | +3.0 pts |
| $100,000 to $199,999 | 23.3% | -4.2 pts |
| $200,000 or more | 6.0% | -2.5 pts |
Some 25% of households here live on less than $35,000 a year; 29% have six-figure incomes. Census counts 11.6% of Floyd County residents in poverty, against 11.1% across Iowa. For a borrower in Floyd 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.
Housing costs in Floyd County
A typical Floyd County rental runs $745 a month including utilities, which is 23% below Iowa. By the Census definition, 44% of Floyd County renters are cost-burdened. Home values center on $143,500, or 2.1 years of median income. The ownership rate is 77%.
| Housing | Floyd County | Iowa statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $745/mo | $972/mo | $877/mo |
| Median home value | $143,500 | $208,000 | $185,300 |
| Owners | 77% | 72% | 75% |
| Rent-burdened renters | 44% | 44% | 45% |
| Burdened owners | 17% | 20% | n/a |
| Mobile homes | 1.3% | 3.2% | n/a |
| Vacant units | 11% | 8% | n/a |
Because most Floyd County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Floyd County next to its neighbors
Six nearby counties, 20 to 32 miles away by the straight-line distance between their centers. Income ranges from $67,446 in Howard County to $86,784 in Bremer County; 4 of these neighbors top Floyd County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Floyd County | - | $68,557 | $745/mo | 77% |
| Mitchell County, IA | 20 mi | $71,365 | $738/mo | 80% |
| Butler County, IA | 22 mi | $73,715 | $812/mo | 84% |
| Cerro Gordo County, IA | 23 mi | $68,189 | $850/mo | 70% |
| Chickasaw County, IA | 24 mi | $75,675 | $738/mo | 81% |
| Bremer County, IA | 30 mi | $86,784 | $921/mo | 80% |
| Howard County, IA | 32 mi | $67,446 | $713/mo | 77% |
Floyd County towns compared
The table lists the 9 largest of 9 Census places in Floyd County, by population. Together all 9 hold about 11,810 people, so roughly 23% of residents live outside any named place. Nora Springs has the highest median household income on the list ($78,594) and Greene the lowest ($56,335), counting places with at least 500 residents. Rent is cheapest in Nora Springs ($669) and steepest in Greene ($1,054). Live in one of these Floyd County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Charles City | city | 7,232 | $59,180 | $735 | 6 mi |
| Nora Springs | city | 1,363 | $78,594 | $669 | 13 mi |
| Greene | city | 1,339 | $56,335 | $1,054 | 11 mi |
| Rockford | city | 839 | $65,428 | $831 | 8 mi |
| Rudd | city | 481 | $75,833 | $859 | 8 mi |
| Floyd | city | 315 | $63,393 | $700 | 6 mi |
| Marble Rock | city | 191 | $65,625 | $822 | 7 mi |
| Colwell | city | 38 | n/a | n/a | 12 mi |
| Roseville | CDP | 12 | n/a | n/a | 2 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
A Floyd County household budget, worked through
Floyd County at the medians, through a lender's eyes (what DTI means):
- $68,557 a year is $5,713 of gross monthly income
- Median rent: $745, or 13 cents of every gross dollar
- $1,312: what a 36% ratio leaves once rent is paid
- With a 43% ceiling, about $1,712 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Floyd County's.
More Floyd County figures
College graduates make up 18% of the adult population. About 4% go without health insurance.
| Residents | Floyd County | Iowa | Middle U.S. county |
|---|---|---|---|
| Median age | 43.5 | 38.6 | 41.5 |
| Bachelor's or higher | 18.3% | 31.4% | 22.2% |
| No high school diploma | 5.0% | 6.7% | n/a |
| No health insurance | 3.6% | 5.0% | 7.8% |
| No vehicle | 6.7% | 5.4% | 5.4% |
| Work from home | 7.9% | 11.3% | 8.7% |
| Poverty rate | 11.6% | 11.1% | 13.2% |
| Unemployment (ACS) | 3.3% | 3.6% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 49.0% |
| 15 to 29 min | 29.3% |
| 30 to 44 min | 15.2% |
| 45 to 59 min | 4.4% |
| 60+ min | 2.2% |
Before borrowing in Floyd County
Based on the Floyd County data above, these borrowing questions are most likely to matter locally.
- Consolidating cards in Floyd County. Compare the total repaid, not the monthly figure (how).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Lender oversight for Floyd County
Consumer lenders serving Floyd County are licensed by the state, not the county; in Iowa that is the Iowa Division of Banking. Problems with a lender can also go to the CFPB. The Iowa guide covers state rules in more detail.
Before you sign
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- A Iowa license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Floyd County
The Iowa guide covers the whole state.
Frequently asked questions
What is the median household income in Floyd County?
$68,557 a year in the 2020 to 2024 Census survey, versus $75,059 for Iowa. It ranks 60th of 99 in the state.
Is Floyd County expensive for renters?
Median rent is $745 against $972 statewide, and 44% of renter households are cost-burdened.
I own my home in Floyd County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 77% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Floyd County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Charles City, Nora Springs, Greene, Rockford, Rudd and 4 more.
Is the fit check different in Floyd County?
No. It is identical everywhere, and it never looks at your neighborhood.