62.4
County Score
Disaster Risk 84.6Health 82Soil Quality 79.7

County Report Card

About Palo Alto County, Iowa

A National High Performer

Palo Alto County boasts a composite score of 62.4, significantly higher than the national median of 50.0. This ranking places the county in the top tier of American locales for overall quality of life.

Outperforming the Iowa Average

With a score of 62.4, Palo Alto County comfortably exceeds the Iowa state average of 55.6. It stands out as a regional leader in rural livability and community stability.

Low Risk and High Affordability

The county features exceptional scores in environmental risk at 84.6 and health at 82.0. Residents benefit from extremely low housing costs, evidenced by a median gross rent of only $599 per month.

Water and Tax Hurdles

The water score of 13.1 indicates significant room for improvement in local water quality or infrastructure. A tax score of 24.0 reflects a 1.233% effective tax rate, which remains a factor for household budgeting.

A Sanctuary for Stable Living

Palo Alto County is perfect for families seeking a low-risk, healthy environment with incredibly low housing costs. It offers a high standard of living for those who appreciate small-town security and Iowa’s agricultural heartland.

Score breakdown

Tax24Cost79.3Safety71.4Health82Schools53.2Income64.2Risk84.6Water13.1Weather47.7
🏛24
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty
🏠79.3
Cost of Living
Median rent, home values, and housing affordability
CostByCounty
💼64.2
Income & Jobs
Median household income and per capita earnings
IncomeByCounty
🛡71.4
Safety
Violent and property crime rates per 100K residents
CrimeByCounty
82
Health
Life expectancy, uninsured rates, and health access
HealthByCounty
🎓53.2
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty
84.6
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty
💧13.1
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty
🌤47.7
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty
🪨79.7
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty
🌱73.9
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty
Sponsored

Think property taxes are too high in Palo Alto County?

Many homeowners in Palo Alto County pay more than they should. A professional appeal could save you hundreds per year.

Check My Assessment

Deep Dives

Palo Alto County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Palo Alto County

via TaxByCounty

Palo Alto County: Low tax rate, lower homes

Palo Alto County's effective tax rate of 1.233% matches the national median almost exactly. However, the median home value of $119,300 is less than half the national median of $281,900, resulting in annual property taxes of $1,471—well below the national median of $2,690.

Palo Alto County ranks lowest in Iowa

At 1.233%, Palo Alto County has the lowest effective tax rate among all Iowa counties in this comparison. The median tax of $1,471 reflects both the low rate and the county's modest home values, substantially below Iowa's state median tax of $2,160.

Palo Alto is the tax bargain of the north

Palo Alto's 1.233% rate edges below Page County (1.434%) to the south and substantially beats Pocahontas (1.143% rate, but similar median tax of $1,066). Among surrounding counties, Palo Alto offers a compelling combination of low rates and modest tax bills.

Palo Alto County homeowner tax bill

A typical Palo Alto home worth $119,300 triggers an annual tax of roughly $1,471. With a mortgage, that increases to $1,598; without one, it drops to $1,362.

Even low assessments can be overvalued

A low county tax rate doesn't guarantee your individual property is fairly assessed. Review your assessment notice and compare it to recent comparable sales; if it's inflated, you have the right to appeal to the county assessor at no cost.

Cost of Living in Palo Alto County

via CostByCounty

Palo Alto sets Iowa's affordability standard

With a rent-to-income ratio of just 10.4%, Palo Alto County beats the national average and ranks among Iowa's most affordable places for renters. A median monthly rent of $599 paired with a solid median household income of $68,963 means housing costs consume far less of household budgets here than in most American counties.

Iowa's most affordable county for renters

Palo Alto County's 10.4% rent-to-income ratio significantly undercuts Iowa's 14.1% state average, positioning it as the clear leader in rental affordability across the state. This exceptional performance reflects both below-average rents and above-average local incomes.

Regional affordability champion by far

Palo Alto County's $599 rent is the lowest among its regional peers, undercutting Pocahontas County ($743) by $144 per month and Ringgold County ($745) by $146. The combination of low rents and decent incomes makes this county a standout for cost-conscious families across northwest Iowa.

Housing takes modest income share

Renters pay just $599 monthly while homeowners spend $750, with both groups spending under 11% of their $68,963 median income on housing. This balanced affordability across both tenure types offers flexibility for households considering buying or renting.

Best overall value in northwest Iowa

Relocating professionals and families seeking affordable housing with reasonable incomes should prioritize Palo Alto County—rents here run 26% below the state average while incomes stay competitive. The low rent-to-income ratio provides genuine breathing room for savings and other life expenses.

Income & Jobs in Palo Alto County

via IncomeByCounty

Palo Alto Slightly Below National Median

Palo Alto County's median household income of $68,963 falls about $5,800 short of the national median of $74,755. While not affluent, the county performs better than many rural areas and sits closer to middle-income benchmarks.

Nearly Matches Iowa's State Average

Palo Alto County's $68,963 median income sits just below Iowa's state average of $69,830, placing it in the solid middle range. This positions the county fairly on par with typical Iowa economies.

Steady Performance in North-Central Iowa

Palo Alto County ($68,963) edges out Pocahontas County ($63,423) but trails Plymouth County ($81,600) in the immediate region. The range shows economic variation tied to agricultural productivity and manufacturing presence.

Strong Housing Affordability Position

Palo Alto County's 10.4% rent-to-income ratio ranks among the lowest in the state, well below the 30% affordability threshold. With median home values of $119,300, residents enjoy exceptional purchasing power relative to incomes.

Leverage Affordability Into Wealth

Palo Alto County residents benefit from low housing costs that free up income for investing and saving. Starting a systematic investment plan through employer 401(k)s or index funds early can compound significantly over decades.

Safety in Palo Alto County

via CrimeByCounty

High safety marks for Palo Alto County

Palo Alto County earns an impressive safety score of 98.9, far exceeding the national baseline. Its total crime rate of 682.5 per 100K is less than one-third of the national average of 2,385.5.

Leading Iowa in community safety

The county's safety score of 98.9 beats the Iowa state average of 98.3. With a total crime rate of 682.5, it remains much safer than the state average of 1095.3 per 100K.

Local safety leader in the region

Palo Alto County is notably safer than Plymouth County, which reports a high crime rate of 12396.1 per 100K. It tracks closely with Pocahontas County, both representing some of the state's quietest areas.

Low rates across all crime categories

Violent crime is low at 257.3 per 100K, well below the national average of 369.8. Property crime is also minimal, sitting at 425.2 per 100K compared to the national 2,015.7.

Maintaining peace in Palo Alto

While rates are low, residents should continue standard safety practices to maintain this high safety score. Supporting the two local reporting agencies through community watch programs helps preserve this secure environment.

Health in Palo Alto County

via HealthByCounty

Palo Alto trails national life expectancy

At 76.7 years, Palo Alto County's life expectancy falls 1.4 years below the U.S. average of 78.1 years, signaling higher-than-typical mortality risks. A 14.7% poor or fair health rate places the county in the lower-middle range for health self-assessment nationwide.

Below average in Iowa's health rankings

Palo Alto County's 76.7-year life expectancy ranks it in the lower third of Iowa counties, sitting 1.0 year below the state average. The county's 5.1% uninsured rate outperforms the state average, but life expectancy concerns warrant closer attention to underlying health drivers.

Shortest lifespan in northwest Iowa cluster

Palo Alto County's 76.7-year life expectancy is the lowest among its neighbors: Plymouth County (79.0) leads by 2.3 years, and Pocahontas County (76.4) is only marginally shorter. The 45 primary care providers per 100K fall below Plymouth's 55, limiting access in a region where health gaps are widening.

Provider shortage compounds health challenges

Palo Alto County's 125 mental health providers per 100,000 residents is less than half the state's stronger counties, creating potential treatment delays. At 5.1% uninsured, the county performs well on coverage, but limited specialist capacity may force residents to travel for specialized care.

Don't let coverage gaps worsen health outcomes

Even with a competitive 5.1% uninsured rate, Palo Alto County residents should verify coverage during open enrollment at Healthcare.gov. Securing comprehensive insurance now helps ensure early access to the primary and mental health providers your county needs to boost life expectancy.

Schools in Palo Alto County

via SchoolsByCounty

Education Across Palo Alto County

Palo Alto County manages a lean educational network of 10 public schools serving 1,536 total students. The system is managed by four districts and includes three elementary, three middle, and four high schools.

High Investment for Student Success

The county posts a graduation rate of 89.3%, which beats the national average of 87.0% but falls short of the Iowa state mark. Local districts invest $7,860 per pupil, outspending the state average of $7,591 to maintain a solid 55.0 composite school score.

Emmetsburg Dominates the Local Landscape

Emmetsburg Community School District is the largest provider, educating 770 students across three different campuses. All schools in the county are traditional public institutions, as there are no charter schools currently in operation.

Intimate Learning in a Rural Environment

The learning environment is primarily rural, with seven of the ten schools located in open rural settings. While West Elementary is the largest school with 300 students, the county-wide average school size is just 154 students.

Small Schools Make Palo Alto a Great Move

For those seeking a tight-knit community with very small class sizes, Palo Alto County offers unique residential opportunities. Researching school performance in districts like Emmetsburg is a vital step for families entering this market.

Disaster Risk in Palo Alto County

via RiskByCounty

Palo Alto County ranks among safest in nation

At 15.46, Palo Alto County's composite risk score is roughly one-third the national average, earning a Very Low rating and placing it well below typical U.S. disaster exposure. This low-risk profile makes it one of Iowa's safest counties for natural disasters.

Iowa's second-safest county by risk score

Palo Alto County's 15.46 score ranks it as one of the lowest-risk counties in Iowa, well below the state average of 39.68. Only Ringgold County (14.15) shows lower composite risk in the state, reflecting Palo Alto's exceptionally fortunate geographic position.

Significantly safer than surrounding counties

Palo Alto County's risk profile stands in stark contrast to its neighbors; Pocahontas County (33.05) and Plymouth County (49.20) both carry substantially higher hazard exposure. This makes Palo Alto one of the safest pockets in northwest Iowa.

Tornadoes remain your only notable concern

Tornado risk (38.77) is your county's primary hazard, though still below statewide tornado exposure. Flood (8.97), wildfire (10.97), and earthquake (6.20) risks are all minimal, reflecting Palo Alto's generally benign natural disaster environment.

Standard homeowners insurance provides solid protection

Palo Alto County's low-risk profile means standard homeowners insurance with tornado coverage is typically sufficient protection. Focus on maintaining a family emergency plan and safe room, as tornadoes remain your only significant weather threat.

Weather & Climate in Palo Alto County

via WeatherByCounty

Cool Continental Climate with Significant Snow

Palo Alto County averages 47.3°F annually, reflecting a cooler humid continental profile compared to the national median. The region sees 33.6 inches of precipitation, largely concentrated in the spring and summer months.

Cooler and Snowier Than the State Average

The county's 47.3°F annual average sits slightly below the Iowa state average of 48.0°F. It is also significantly snowier, recording 37.1 inches compared to the lighter totals seen in southern Iowa.

The Snow Capital of the Local Region

Palo Alto County receives 37.1 inches of snow, nearly 4 inches more than neighboring Plymouth County. Despite the extra snow, it shares a similar annual temperature profile with Pocahontas County to the south.

Frigid Januaries and Moderate Summer Heat

Winter is the dominant season here, with January temperatures averaging a chilly 16.8°F. Summers are pleasant but warm, featuring a July average of 74.1°F and 15 days of extreme heat above 90°F.

Prioritize Insulation and Heavy Snow Gear

Residents need high-capacity snow blowers to manage the 37.1 inches of annual snowfall. Home insulation is critical to counter the winter average temperature of just 20.3°F.

Soil Quality in Palo Alto County

via SoilByCounty

Premium Mollisols of the North

Palo Alto boasts an impressive soil score of 79.7, well above the state average of 72.9. These Mollisols have an average pH of 6.66, making them slightly more alkaline than the national median.

Workable Fine Sandy Loam

The soil is a fine sandy loam made of 38.7% sand and 37.2% silt. This balanced mix ensures the ground is easy to till and provides excellent aeration for root systems.

Exceptional Organic Matter Levels

With 6.40% organic matter, these soils are significantly richer than the Iowa average of 3.81%. This high fertility supports high-yield agriculture even with an available water capacity slightly below the state average.

Rapid Drainage for Better Roots

Classified as well-drained and belonging to Hydrologic Group A, this soil moves water quickly. This prevents the root rot and standing water issues common in heavier Iowa clay soils.

Bountiful Harvests in Zone 5a

The Zone 5a climate pairs with rich loam to grow incredible root vegetables and leafy greens. Your plants will love the high organic content of this northern Iowa soil.

Lawn Care in Palo Alto County

via LawnByCounty

Solid Growth Potential in Palo Alto

With a lawn difficulty score of 73.9, Palo Alto County is slightly more challenging than the Iowa state average of 77.2. Despite this, it remains significantly more hospitable for green spaces than the national median of 50.0.

Moderate Weather and Quick Growing

The county sees 33.6 inches of rain annually and 15 extreme heat days, staying close to state averages. A shorter growing season and 3001 growing degree days mean mowing starts later and ends earlier than in southern Iowa.

The Advantages of Fine Sandy Loam

Lawns here sit on fine sandy loam with a balanced 6.66 pH, which is nearly perfect for grass growth. The soil is well-drained and contains 38.7% sand, making it less prone to the puddling issues found in heavier clay regions.

Watering Wisely During Dry Years

The county endured 17 weeks of drought last year, and currently, the entire area faces abnormally dry conditions. Residents should prioritize deep, infrequent watering to encourage roots to reach deep into the sandy loam soil.

Establishing Your Zone 5a Lawn

Hardiness Zone 5a favors hardy cool-season blends that can survive the cold January average of 16.8°F. Aim to seed in late summer or early spring, keeping the April 27 and October 7 frost dates in mind for the best results.

Frequently Asked Questions

What is Palo Alto County's county score?
Palo Alto County, Iowa has a composite county score of 62.4 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Palo Alto County rank among counties in Iowa?
Palo Alto County ranks #23 among all counties in Iowa on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Palo Alto County, Iowa?
The median annual property tax in Palo Alto County is $1,471, with an effective tax rate of 1.23%. This earns Palo Alto County a tax score of 24/100 on CountyScore (higher = lower taxes).
What is the median household income in Palo Alto County?
The median household income in Palo Alto County, Iowa is $68,963 per year according to U.S. Census Bureau data. Palo Alto County earns an income score of 64.2/100 on CountyScore.
Is Palo Alto County, Iowa a good place to live?
Palo Alto County scores 62.4/100 on CountyScore's overall county ranking, ranking #23 in Iowa. The best way to evaluate Palo Alto County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Palo Alto County with other counties side by side.