Hardy, IA

The affordability dashboard for Hardy, IA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 205 residents, then layers in county-level federal data to produce an overall grade of F (19/100). The headline inputs are median household income of $31,429, median home value of —, median rent of — per month, and 5.0% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $919 per month (studio $682, 1BR $798, 3BR $1,278, 4BR $1,436). Department of Labor data lists infant center-based childcare at $7,830 per year, consuming 25% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education, rent, childcare. Unemployment currently reads 0.0% and poverty 22.3% — numbers worth keeping alongside the headline grade.