B-

Harlan, IA

Source:

Affordability Score: 68/100

Population: 6,703 · 1 ZIP codes

The affordability dashboard for Harlan, IA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 6,703 residents, then layers in county-level federal data to produce an overall grade of B- (68/100). The headline inputs are median household income of $65,000, median home value of $166,800, median rent of $790 per month, and 25.1% 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 $838, 3BR $1,278, 4BR $1,309). Department of Labor data lists infant center-based childcare at $8,524 per year, consuming 13% 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. Strengths visible in the raw data for Harlan, IA include housing, commute, rent. Unemployment currently reads 4.1% and poverty 7.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C-
$65,000
Median household income
Education F
25.1%
Bachelor's degree or higher
Housing B+
2.6x
Home value $166,800 vs income
Commute A+
14 min
Average commute time
Rent A
$919/mo
2BR fair market rent (17% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C
$8,524/yr
Center-based infant care (13% of income)

Income & Employment

Median Income
$65,000
▲ 5% vs national
Per Capita Income
$37,951
Unemployment Rate
4.1%
Poverty Rate
7.3%

Housing

Median Home Value
$166,800
▼ 39% vs national
Median Rent
$790/mo
Owner Occupied
76.1%
2BR Fair Market Rent
$919/mo
▼ 23% vs national

Fair Market Rents by Bedroom

Studio
$682
1BR
$838
2BR
$919
3BR
$1,278
4BR
$1,309

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
25.1%
▼ 5 ppt vs national
High School+
57.8%
Median Age
43.0
Avg. Commute
14 min
▼ 12 min vs national

Childcare Costs

Infant (Center)
$8,524/yr
13% of income
Toddler (Center)
$7,345/yr
Preschool (Center)
$7,345/yr
School-Age (Center)
$5,876/yr

What This Means

Harlan, IA receives an overall affordability grade of B- (68/100), aggregated from 1 ZIP codes with a total population of 6,703. This area performs well in housing and commute and rent. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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What are common questions about this dashboard?

Is Harlan, IA affordable?
Harlan, IA receives an overall affordability grade of B- (68/100) based on Census, HUD, FBI, and DOL data. Median household income is $65,000. Median home value is $166,800.
What is the cost of living in Harlan?
Key cost metrics: Median rent $790/mo. 2BR fair market rent $919/mo. Infant childcare $8,524/yr. Median home value $166,800.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →