B+

Pacific Junction, IA

Source:

Affordability Score: 76/100

Population: 1,455 · 1 ZIP codes

The affordability dashboard for Pacific Junction, IA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 1,455 residents, then layers in county-level federal data to produce an overall grade of B+ (76/100). The headline inputs are median household income of $113,421, median home value of $388,800, median rent of $1,103 per month, and 37.7% 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 $1,368 per month (studio $1,090, 1BR $1,148, 3BR $1,813, 4BR $2,046). Department of Labor data lists infant center-based childcare at $8,459 per year, consuming 7% 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 Pacific Junction, IA include income, rent, childcare. Unemployment currently reads 0.0% and poverty 3.9% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income A
$113,421
Median household income
Education B-
37.7%
Bachelor's degree or higher
Housing C-
3.4x
Home value $388,800 vs income
Commute N/A
N/A
Average commute time
Rent A+
$1,368/mo
2BR fair market rent (14% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare A-
$8,459/yr
Center-based infant care (7% of income)

Income & Employment

Median Income
$113,421
▲ 83% vs national
Per Capita Income
$48,419
Unemployment Rate
0.0%
Poverty Rate
3.9%

Housing

Median Home Value
$388,800
▲ 41% vs national
Median Rent
$1,103/mo
Owner Occupied
87.4%
2BR Fair Market Rent
$1,368/mo
▲ 14% vs national

Fair Market Rents by Bedroom

Studio
$1,090
1BR
$1,148
2BR
$1,368
3BR
$1,813
4BR
$2,046

Safety

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

Education & Family

Bachelor's Degree+
37.7%
▲ 8 ppt vs national
High School+
56.4%
Median Age
47.8
Avg. Commute

Childcare Costs

Infant (Center)
$8,459/yr
7% of income
Toddler (Center)
$7,289/yr
Preschool (Center)
$7,289/yr
School-Age (Center)
$5,831/yr

What This Means

Pacific Junction, IA receives an overall affordability grade of B+ (76/100), aggregated from 1 ZIP codes with a total population of 1,455. This area performs well in income and rent and childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Pacific Junction, IA affordable?
Pacific Junction, IA receives an overall affordability grade of B+ (76/100) based on Census, HUD, FBI, and DOL data. Median household income is $113,421. Median home value is $388,800.
What is the cost of living in Pacific Junction?
Key cost metrics: Median rent $1,103/mo. 2BR fair market rent $1,368/mo. Infant childcare $8,459/yr. Median home value $388,800.
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 →