Cedar Falls, Iowa

Area Profile

40,888 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Cedar Falls, in Black Hawk County.

63out of 100
Area Score
Top 36% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 16 sources
Opportunity2,425th of 4,199 cities measured53
SchoolsTop 12% of 4,162 cities measured80
Growth3,150th of 4,224 cities measured38
Housing affordability2,287th of 4,218 cities measured65
Climate3,906th of 4,225 cities measured56
Physical resilienceTop 31% of 4,226 cities measured75
AccessTop 21% of 4,226 cities measured98
Economic stabilityTop 32% of 4,226 cities measured66
The quick read

Unemployment is 3.5% and median household income $76,987, putting employment conditions in the middle range of cities measured.

Public schools test above most of the state: 81% of students met the mathematics standard, placing the area in the top 12% of published profiles for schools.

Residential permitting has slowed: 88 units authorized over the past twelve months, 17% below the prior year. That follows a longer stretch moving the other way, through 2025.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
40,888
2024 ACS 5-Year
Median household income
$76,987
Top 37% nationally
Density
1,388/sq mi
29.5 sq mi of land
Median age
29.3
2024 ACS 5-Year
Nearest major airport
ALO
4 mi · Waterloo Rgnl
Median home value
$263,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.5%, lower than in 81% of the 4,226 measured US cities.

Employment fell 3.1% over the past year, to 21,676 employed residents.

50% of adults hold a four-year degree, higher than 89% of measured US cities.

MetricValueCompared nationallySource period
Income of new arrivalsBlack Hawk County, IA’s figurefiling years 2022–2023$48,4436th percentileof 4,101filing years 2022–2023
Income of those who leftBlack Hawk County, IA’s figurefiling years 2022–2023$54,96015th percentileof 4,101filing years 2022–2023
Median household income ±$5,0362024 ACS 5-Year$76,987Top 37%of 29,2232024 ACS 5-Year
Per capita income ±$2,3942024 ACS 5-Year$41,428Top 30%of 31,4202024 ACS 5-Year
Poverty rate ±3%2024 ACS 5-Year7.4%Top 35%of 31,7732024 ACS 5-Year
Average commute ±0.6 min2024 ACS 5-Year15.5 minTop 6%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±3%2024 ACS 5-Year50.4%Top 11%of 31,9192024 ACS 5-Year
Drove alone to work ±2%2024 ACS 5-Year76.7%48th percentileof 31,4332024 ACS 5-Year
EmploymentJuly 202621,676Bottom 26%of 4,226July 2026
Employment change (3 years)July 2026−4.6%Bottom 5%of 4,226July 2026
Employment change (year over year)July 2026−3.1%Bottom 9%of 4,226July 2026
Labor forceJuly 202622,46925th percentileof 4,226July 2026
Labor force participation ±2%2024 ACS 5-Year83.8%Top 29%of 31,5132024 ACS 5-Year
Mean annual wageWaterloo-Cedar Falls, IA Metro Area’s figure2025 OEWS$56,540Bottom 7%of 3,7292025 OEWS
Median annual wageWaterloo-Cedar Falls, IA Metro Area’s figure2025 OEWS$47,430Bottom 19%of 3,7292025 OEWS
Public transit to work ±0.1%2024 ACS 5-Year0.0%1st percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)July 2026−0.1%Bottom 49%of 4,226July 2026
Unemployment rateJuly 20263.5%Top 19%of 4,226July 2026
Worked from home ±2%2024 ACS 5-Year11.1%64th percentileof 31,4332024 ACS 5-Year

Unemployment rate

2021/072022/072023/072024/072025/072026/073.61.6
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 3.5% in July 2026. It has been rising for the last 3 months, over a series running from 2020-01 to 2026-07. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.

Median household income, successive ACS releases

202120222023202477k67k
Each point is a separate five-year estimate, most recently $76,987 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

Largest occupations — Waterloo-Cedar Falls, IA

OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand2,920$47,440
Fast Food and Counter Workers2,500$27,820
Retail Salespersons2,460$31,270
Cashiers2,340$29,320
Registered Nurses1,890$76,920
Miscellaneous Assemblers and Fabricators1,610$50,310

Searches the 40 largest occupations here that have a published wage.

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

81% of students met the state standard in mathematics and 81% in reading, across the schools here that reported results.

There are 14.3 students for every full-time teacher across 10 public schools, fewer than in most measured places.

Public schools
10
2024-25 school year
Students per teacher
14.3
across all schools here
Math proficiency
81.1%
Top 22% in Iowa
Reading proficiency
81.0%
Top 12% in Iowa
All 10 public schools on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
Cedar Falls High SchoolCedar Falls Comm School District1,33313.976%81%
Peet Junior High SchoolCedar Falls Comm School District69514.285%78%
Holmes Junior High SchoolCedar Falls Comm School District62813.790%83%
Helen A Hansen Elementary SchoolCedar Falls Comm School District56916.389%84%
Southdale Elementary SchoolCedar Falls Comm School District53914.283%82%
Bess Streeter Aldrich ElementaryCedar Falls Comm School District47217.592%92%
Orchard Hill Elementary SchoolCedar Falls Comm School District45813.976%80%
Cedar Heights Elementary SchoolCedar Falls Comm School District45113.775%80%
Lincoln Elementary SchoolCedar Falls Comm School District41613.070%74%
North Cedar Elementary SchoolCedar Falls Comm School District29213.972%72%

24.4% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Iowa’s own standard, so it is ranked within state. How to read school figures.

Prices for everything a household buys run about 12% below the national average — the Bureau of Economic Analysis index reads 88.0, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.

The Federal Housing Finance Agency’s house price index for the Waterloo-Cedar Falls, IA Metro Area is up 37% over five years, and up 2.6% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $3,702 a year in real estate taxes, about 1.40% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $1,051, below the $1,203 tenants already here pay.

At HUD’s Fair Market Rent of $1,051 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $42,000 a year, about 55% of the median household income here of $76,987.

The typical renter household here spends 34% of its income on rent, above the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $1,203 a month.

A median home at $263,600 costs 2.5 times the median income of its owner-occupied households, $105,931, close to the historic benchmark for an affordable market.

Cost of living
88.0

Prices here run about 12% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Published for the Waterloo-Cedar Falls, IA Metro Area as a whole. Prices are regional — people shop, commute and rent across a metropolitan area rather than within a city boundary — so this describes the cost of living around this place better than a figure drawn to its own limits would.

Rent as a share of income
34.1%
Above the 30% cost-burdened threshold
Home price to income
2.5×
median home value ÷ owner household income
Market rent, two bedroom
$1,051
what a new lease costs · FY2026
Median gross rent
$1,203
what tenants now pay · 2024 ACS 5-Year
Median home value
$263,600
2024 ACS 5-Year

The figures above are measured against Cedar Falls’s median household income of $76,987, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Cost of living indexthe Waterloo-Cedar Falls, IA Metro Area’s figure202388.0Top 3%of 3,7002023
Home price change (1 year)the Waterloo-Cedar Falls, IA Metro Area’s figure2026 Q2+2.6%39th percentileof 4,1542026 Q2
Home price change (5 years)the Waterloo-Cedar Falls, IA Metro Area’s figure2026 Q2+37.0%35th percentileof 4,1542026 Q2
Home price change (10 years)the Waterloo-Cedar Falls, IA Metro Area’s figure2026 Q2+61.2%8th percentileof 4,1542026 Q2
Home price to income ±0.22024 ACS 5-Year2.5Top 50%of 26,8152024 ACS 5-Year
Homeownership rate ±2%2024 ACS 5-Year64.0%27th percentileof 31,7172024 ACS 5-Year
Housing units ±4682024 ACS 5-Year16,80497th percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$801Top 8%of 4,072FY2026
Market rent, three bedroomFY2026$1,357Top 11%of 4,072FY2026
Market rent, two bedroomFY2026$1,051Top 11%of 4,072FY2026
Median gross rent ±$522024 ACS 5-Year$1,203Bottom 32%of 23,1202024 ACS 5-Year
Median home value ±$13,4492024 ACS 5-Year$263,60067th percentileof 29,1112024 ACS 5-Year
Median property taxes ±$1512024 ACS 5-Year$3,70281st percentileof 26,4402024 ACS 5-Year
Owner household income ±$4,8762024 ACS 5-Year$105,931Top 23%of 27,5482024 ACS 5-Year
Property tax rate ±0.09%2024 ACS 5-Year1.40%74th percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±3%2024 ACS 5-Year34.1%Bottom 23%of 22,9502024 ACS 5-Year
Seasonal and second homes ±852024 ACS 5-Year8187th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year0.5%56th percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year4.9%38th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±2752024 ACS 5-Year89694th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.

Development Momentum

38/ 100
Ranks 3,150 of 4,224 published city profiles
The most recent move in permitting was upward, in a series running from 2020 to 2025. That is the direction of the recent run. The chart below compares the first year with the last, which can point the other way.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 2% since 2020, reaching 41,417 in 2024.

Permitting has turned upward after moving the other way the year before: 112 units authorized in 2025, up 23% on the prior year.

Population is still rising but the pace is easing: 41,417 residents in 2024, up 0.8% over the year, a smaller gain than the year before.

New construction is predominantly single-family: of 88 units permitted over the past twelve months, only 14% are in buildings of five or more homes.

Federal tax returns show that people moving in from elsewhere in the US and people moving out roughly balanced across Black Hawk County, which contains Cedar Falls, in the most recent year. Households that moved in reported an average income of $48,443, below the $54,960 of households that moved out.

At 2.2 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
88
12 months ending July 2026
Per 1,000 residents
2.2
Bottom 44% nationally
Year over year
−17%
vs the prior twelve months
Multifamily share
13.6%
units in 5+ unit buildings

Population, annual estimates

2020202120222023202441k41k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population. It has been rising for the last 2 years, over a series running from 2020 to 2024.

People moving in and out

Net migration
−0.1%
of residents, in a year
Arrivals from another state
42%
of people moving in
Income of arrivals
$48,443
average per tax return
Income of those who left
$54,960
average per tax return

Where newcomers came from

  1. Bremer County, IA 329 people · 7.3% of arrivals
  2. Linn County, IA 221 people · 4.9% of arrivals
  3. Buchanan County, IA 194 people · 4.3% of arrivals
  4. Polk County, IA 189 people · 4.2% of arrivals
  5. Grundy County, IA 183 people · 4.0% of arrivals

Where people who left went

  1. Polk County, IA 348 people · 7.5% of departures
  2. Bremer County, IA 335 people · 7.2% of departures
  3. Linn County, IA 279 people · 6.0% of departures
  4. Grundy County, IA 175 people · 3.7% of departures
  5. Buchanan County, IA 169 people · 3.6% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Black Hawk County, IA. IRS Statistics of Income, filing years 2022–2023.

Housing units permitted per year

20202021202220232024202511481
Annual totals from the Census Building Permits Survey. Permitting in 2025 was close to 2020 (−2%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 85°F and January a low of 11°F.

Normal annual precipitation is 36.3 inches, including 39.1 inches of snow.

Air quality measures a median index of 47, in the Good band, and no day in the year passed 100.

0°20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station WATERLOO MUNI AP, 3.6 miles from this location.

Precipitation

JFMAMJJASOND5.7"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index2024 calendar year592024 calendar year
Annual precipitation1991-2020 Normals36.3"1991-2020 Normals
Annual snowfall1991-2020 Normals39.1"1991-2020 Normals
Average January low1991-2020 Normals11°F1991-2020 Normals
Average July high1991-2020 Normals85°F1991-2020 Normals
Comfortable months1991-2020 Normals51991-2020 Normals
Days above AQI 1002024 calendar year02024 calendar year
Median air quality index2024 calendar year472024 calendar year
Seasonal temperature swing1991-2020 Normals55°F1991-2020 Normals

Air quality

Median air quality index
47
Good on a typical day
Worst tenth of days
59
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. Air quality is measured by EPA monitors and published by county only where a monitor sits; a county without one shows nothing rather than an estimate, and a county reading is still the county’s. How to read climate and air quality.

Physical risk

75 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and drought, with inland flooding alone responsible for 45% of it. Inland flooding is independently rated low or minimal nationally, so this describes how the loss is composed, not how large that hazard is.

DroughtElevated
TornadoHigh
Cold waveElevated
LightningModerate
Heat waveModerate

Low or minimal exposure: winter weather, strong wind, hail, inland flooding, ice storm, earthquake, wildfire, landslide, hurricane, coastal flooding, tsunami, avalanche, volcanic activity.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
135
per 100,000 residents · 2025 calendar year
Property crime
1,132
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Cedar Falls's police department reported 135 violent offenses per 100,000 residents, near the middle of places with a department reporting. Property crime runs at 1,132.

Black Hawk County has a modeled homicide rate of about 4.3 per 100,000 residents a year, because the CDC suppresses counts this small, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 18.4 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at about 7.2 per 100,000 residents in Black Hawk County.

Homicide
4.3
per 100,000 residents · modeled, not measured
Firearm deaths, all intents
18.4
per 100,000 residents
Drug overdose
7.2
per 100,000 residents · modeled, not measured
Suicide
21.5
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Offenses are reported to the FBI by Cedar Falls’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Cedar Falls (Black Hawk County) rather than Cedar Falls itself. Neither is part of the Area Score. How to read crime rates and death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

4 major airports lie within 100 miles, the nearest Waterloo Rgnl at 4 miles.

MetricValueCompared nationallySource period
Broadband access ±1%2024 ACS 5-Year93.1%Top 34%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle4 miTop 5%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle4Bottom 38%of 4,226NASR current cycle
No internet access ±1%2024 ACS 5-Year3.2%Top 26%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Waterloo RgnlALO4 mi8,399 ft
The Eastern IowaCID58 mi8,600 ft
Des Moines IntlDSM92 mi9,004 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
63
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—

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Other cities in Waterloo-Cedar Falls, IA

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
WaterlooBlack Hawk County67,00855Waterloo vs Cedar Falls
WaverlyBremer County10,49464Waverly vs Cedar Falls

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put Cedar Falls side by side with a similar place.

Cedar Falls vs CheyenneCedar Falls vs North Logan

Moving to Cedar Falls from somewhere else?

You get the difference in prices, rent and weather, and the income that would keep pace.

Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar year
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWS
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimate
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar year
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in Cedar Falls

1 ZIP area

Every ZIP area in Cedar Falls with census figures of its own, largest first. The ones linked below diverge enough from the city as a whole to carry a full profile; the rest track Cedar Falls closely, so their figures are here rather than on a page that would repeat this one. An Area Score is calculated for published profiles only, which is why it is blank on those rows.

ZIPPopulationMedian household incomeMedian home valueArea Score
5061343,867$78,503$270,800—