Median Income $63,750

15% lower than US avg

Home Value $165,600

41% lower than US avg

Bachelor's+ 25.0%

26% lower than US avg

Median Rent $650

44% lower than US avg

Obesity Rate 33.0%

3% higher than US avg

Unemployment 0.0%

100% lower than US avg

Poverty Rate 5.9%

52% lower than US avg

How Bernard Compares to the U.S. Average (100% = U.S. avg)

People

Population101

Median Age29.8 yrs

Density1,122/mi²

Male / Female48% / 53%

Largest GroupWhite 99%

Veterans76.0%

Economy

Median Income$63,750

Per Capita$40,856

Unemployment0.0%

Poverty5.9%

County GDP$9,160M

Commute28 min

Housing

A+

Home Value$165,600

Rent$650

OwnershipN/A

Zillow$277,705

Housing Units59

Rent Burden14.0%

Health

Obesity33.0%

Uninsured7.0%

Smoking14.4%

Depression21.0%

Heart Disease4.5%

Climate

Avg Temp47°F (8°C)

AQI43 (Good)

Rain38.2 in/yr

Sunny Days260/yr

Elevation928 ft (283 m)

Education

Bachelor's+25.0%

High School+98.7%

Graduate+7.1%

School Score5.73

Community

2024 VoteR 54% / D 45%

Commute28 min

Broadband46.0%

Libraries8

Is Bernard a Good Place to Live?

Based on current data, Bernard receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Bernard stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Bernard is $63,750, 15% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 5.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.

Cost of Living & Housing

The median home value in Bernard is $165,600, 41% below the national median — offering relatively affordable homeownership. Renters pay a median of $650 per month, below the national average — a plus for affordability. At just 2.6x median income, home prices are very affordable relative to local earnings.

Education

25.0% of residents hold a bachelor's degree, below the national average of 33.7%. 98.7% have completed high school. Area schools have an average test score of 5.7/10.

Climate & Weather

Bernard experiences four distinct seasons with an average temperature of 47°F. Winters average 19°F in January while summers reach 72°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 38.2 inches, including 42.5 inches of snow. Air quality is rated Good with a median AQI of 43.

Bernard has a population of 101 with a density of 1,122 people per square mile. The median age is 29.8 years, 23% younger than the national median of 38.9. The city is predominantly White (99%).

Population

101

Total Population

1,122

People / sq mi

29.8yrs

Median Age

23% below US avg

0.1mi²

Land Area

Gender Distribution

Male 47.5%

Female 52.5%

Race & Ethnicity

Bernard vs U.S. Average

Language Spoken at Home

English Only	100.0%
	27% above US avg
Spanish	0.0%
	100% below US avg

Social Characteristics

Bernard vs U.S. Average

The median household income in Bernard is $63,750, which is 15% below the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 5.9% of residents live below the poverty line. Workers commute an average of 28 minutes.

Income: Bernard vs U.S.

Commute Mode

Income

Median HH Income	$63,750
	15% below US avg
Per Capita Income	$40,856
Avg Weekly Wage	$1,128
IRS Avg AGI	$86,704

Employment & Poverty

Unemployment	0.0%
	100% below US avg
Poverty Rate	5.9%
	52% below US avg
Establishments (County)	3,728
County GDP	$9,160M

Business (County)

Restaurants	242
Healthcare	316
Retail	397
Manufacturing	149

Tax & Cost of Living

Property Tax (IRS)	$5,807
	66% above US avg
Effective Tax Rate	3.51%

Commute & Transportation

Commute Time	28.3 min
Drive Alone	85.3%
Public Transit	0.0%
Work from Home	5.9%

Walkability

The median home value in Bernard is $165,600, 41% below the national average. Monthly rent averages $650 (44% below US avg). Zillow estimates the typical home value at $277,705.

Home Value Sources

Ownership Split

Home Values

Census Median	$165,600
	41% below US avg
Zillow ZHVI	$277,705

Real Estate Market (Redfin)

Rental Costs

Census Median Rent	$650
	44% below US avg
Rent Burden	14.0%

HUD Fair Market Rent

Studio	$738
1 Bedroom	$788
2 Bedrooms	$989
3 Bedrooms	$1,282
4 Bedrooms	$1,420

Ownership & Property

Owner-Occupied	97.8%
Housing Units	59
Median Year Built	1951

Property Tax

Avg Tax (IRS)	$5,807
	66% above US avg
Effective Rate	3.51%

In Bernard, 33.0% of adults are obese (above the 32.1% national rate). 7.0% of residents lack health insurance. 14.4% are current smokers. 21.0% report depression. 20.7% are physically inactive.

Health Metrics: Bernard vs U.S. Average (%)

Chronic Conditions

Obesity	33.0%
	3% above US avg
Diabetes	7.6%
Heart Disease	4.5%
High Blood Pressure	24.2%
Asthma	9.9%
COPD	5.2%
Cancer	6.5%
Stroke	2.4%

Behaviors & Mental Health

Smoking	14.4%
	3% above US avg
Binge Drinking	23.0%
Physical Inactivity	20.7%
Depression	21.0%
Mental Distress	17.4%
Physical Distress	10.8%
Short Sleep	33.2%

Healthcare Access

Insurance Rate	100.0%
Uninsured	7.0%
	19% below US avg
Checkup Rate	71.6%
Dental Visits	65.2%
Premature Death	6,844/100K

Food & Exercise

Food Environment	8.7/10
Exercise Access	82.6%
Healthcare Facilities	316

Bernard has an average annual temperature of 47°F (8°C). Winters average 19°F in January while summers reach 72°F in July. Annual precipitation is 38.2 inches. The area enjoys 260 sunny days per year. Air quality is rated Good with a median AQI of 43.

Temperature

19°F Jan (-7°C) 72°F Jul (22°C)

Annual Average	47.2°F
	13% below US avg
January Average	19°F (-7°C)
July Average	72°F (22°C)
Sunny Days	260 days/yr

Precipitation & Snow

Annual Rainfall	38.2 inches
	1% above US avg
Snowfall	42.5 inches/yr

Air Quality

AQI Median	43.0
Rating	Good

Geography

Elevation	928 ft (283 m)
Area	0.1 sq mi (0.2 km²)
Population Density	1,122/sq mi
Coordinates	42.3132°N, 90.8317°W
Timezone	America/Chicago
County FIPS	19061

It is classified as Metro — under 250K. 25.0% of residents hold a bachelor's degree or higher (26% below US avg). In the 2024 election, the county voted Republican by a 8.6-point margin. 46.0% of households have broadband internet.

2024 Presidential Election (County)

R 53.7%

D 45.1%

Winner: Republican by 8.6 points

Education

Bachelor's Degree+	25.0%
	26% below US avg
High School+	98.7%
Graduate Degree+	7.1%
School Test Score	5.73

B Education Grade (3.0/5.0)

Urban-Rural Classification

RUCC Code 3	Metro — under 250K
Population Density	1,122/sq mi
Total Area	0.1 sq mi

Infrastructure & Services

Broadband Access	46.0%
Public Libraries	8
Healthcare Facilities	316
Restaurants	242
Retail Stores	397

Safety & Disasters

Fatal Crashes (County/yr)	9
FEMA Disaster Declarations	91

Commute & Transportation

Avg Commute	28.3 min
Drive Alone	85.3%
Public Transit	0.0%
Work from Home	5.9%

Bernard, IA

How Bernard Compares to the U.S. Average (100% = U.S. avg)

People

Economy

Housing

Health

Climate

Education

Community

Is Bernard a Good Place to Live?

Economy & Jobs

Cost of Living & Housing

Education

Climate & Weather

Population

Gender Distribution

Race & Ethnicity

Bernard vs U.S. Average

Language Spoken at Home

Social Characteristics

Bernard vs U.S. Average

Income: Bernard vs U.S.

Commute Mode

Income

Employment & Poverty

Business (County)

Tax & Cost of Living

Commute & Transportation

Walkability

Home Value Sources

Ownership Split

Home Values

Real Estate Market (Redfin)

Rental Costs

HUD Fair Market Rent

Ownership & Property

Property Tax

Health Metrics: Bernard vs U.S. Average (%)

Chronic Conditions

Behaviors & Mental Health

Healthcare Access

Food & Exercise

Temperature

Precipitation & Snow

Air Quality

Geography

2024 Presidential Election (County)

Education

Urban-Rural Classification

Infrastructure & Services

Safety & Disasters

Commute & Transportation

Nearby Cities