Garner, IA population, income and ZIP codes

Garner city is a small town in Iowa, with 3,062 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #122 of 1,026 ranked by population — larger than 88% of them. The median age here is 51.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Garner city earn a median of $68,964 a year, 12.2% below the national figure of $78,538 and within a couple of points of the $67,791 median for the 290 Iowa cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 14.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Garner city is valued at $162,100, 46.6% below the national figure and 4% above the $156,300 peer median, while median gross rent runs $791 a month, 43.7% below the national figure, or roughly $9,492 across a full year. A household on the local median income would put about 13.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 74.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 51.7 puts Garner city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.