Median Income
$80,294
7% higher than US avg
Home Value
$170,700
39% lower than US avg
Violent Crime
134/100K
65% lower than US avg
Bachelor's+
21.5%
36% lower than US avg
Median Rent
$947
19% lower than US avg
Obesity Rate
32.3%
1% higher than US avg
Unemployment
1.5%
58% lower than US avg
Poverty Rate
5.1%
59% lower than US avg
How Lone Tree Compares to the U.S. Average (100% = U.S. avg)
People
Population1,285
Median Age44.8 yrs
Density1,201/mi²
Male / Female54% / 46%
Largest GroupWhite 93%
Veterans8.5%
Economy
A+
Median Income$80,294
Per Capita$38,102
Unemployment1.5%
Poverty5.1%
County GDP$12,640M
Commute27 min
Housing
A+
Home Value$170,700
Rent$947
Ownership85.8%
Zillow$246,233
Housing Units523
Rent Burden37.5%
Crime
F
Violent134/100K
Property886/100K
Health
Obesity32.3%
Uninsured7.2%
Smoking14.3%
Depression21.9%
Heart Disease5.0%
Climate
Avg Temp49°F (9°C)
AQI43 (Good)
Rain38.8 in/yr
Sunny Days275/yr
Elevation734 ft (224 m)
Education
C+
Bachelor's+21.5%
High School+95.3%
Graduate+6.5%
School Score6.24
Community
2024 VoteR 30% / D 68%
Commute27 min
Broadband90.5%
EV Stations3
Libraries8
Is Lone Tree a Good Place to Live?
Based on current data, Lone Tree receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Lone Tree offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Lone Tree is $80,294, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.5%. Only 5.1% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Lone Tree is $170,700, 39% below the national median / offering relatively affordable homeownership. Renters pay a median of $947 per month, below the national average / a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Lone Tree is a very safe community with a violent crime rate of 134 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 886 per 100,000, 55% below the national average.
Education
21.5% of residents hold a bachelor's degree, below the national average of 33.7%. 95.3% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Lone Tree experiences four distinct seasons with an average temperature of 49°F. Winters average 20°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 38.8 inches, including 31.3 inches of snow. Air quality is rated Good with a median AQI of 43.
Lone Tree has a population of 1,285 with a density of 1,201 people per square mile, spread across 1.1 square miles. The median age is 44.8 years, 15% older than the national median of 38.9. The gender split is 46.3% female and 53.7% male. The city is predominantly White (93.3%). English is the primary language spoken at home by 97.4% of residents. 8.5% of the population are veterans, above the national rate of 6.0%. 9.4% of residents have a disability (below the 13.0% national average). 90.5% have health insurance coverage.
Population
44.8yrs
Median Age
15% above US avg
Race & Ethnicity
Lone Tree vs U.S. Average
Language Spoken at Home
English Only
97.4%
24% above US avg
Spanish
2.6%
81% below US avg
Social Characteristics
Lone Tree vs U.S. Average
The median household income in Lone Tree is $80,294, which is 7% above the national average of $75,149. Per capita income is $38,102. The average weekly wage is $1,238, 14% lower than the U.S. average. The unemployment rate is 1.5% (below the 3.6% US average). 5.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 5,140 business establishments, including 448 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 6.3% of workers work from home (below the 15.2% national rate).
Income: Lone Tree vs U.S.
Income
| Median HH Income | $80,294 |
| 7% above US avg |
| Per Capita Income | $38,102 |
| Avg Weekly Wage | $1,238 |
| IRS Avg AGI | $93,456 |
| Gini Index | 0.495 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.5% |
| 58% below US avg |
| Poverty Rate | 5.1% |
| 59% below US avg |
| Establishments (County) | 5,140 |
| County GDP | $12,640M |
Business (County)
| Restaurants | 448 |
| Healthcare | 493 |
| Retail | 492 |
| Manufacturing | 80 |
Tax & Cost of Living
| Property Tax (IRS) | $6,982 |
| 99% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 4.09% |
Commute & Transportation
| Commute Time | 26.5 min |
| Drive Alone | 73.6% |
| Public Transit | 0.7% |
| Work from Home | 6.3% |
The median home value in Lone Tree is $170,700, 39% below the national median of $281,900. Zillow estimates the typical home value at $246,233, higher than the Census estimate. Monthly rent averages $947 (19% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 85.8% of housing units are owner-occupied (above the 65.4% national rate). There are 523 total housing units in the city. The median year a home was built is 1964. The average annual property tax is $6,982 (higher than the $3,500 national average). 37.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $170,700 |
| 39% below US avg |
| Zillow ZHVI | $246,233 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $947 |
| 19% below US avg |
| Rent Burden | 37.5% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 85.8% |
| Owner-Occupied | 85.8% |
| Renter-Occupied | 14.2% |
| Housing Units | 523 |
| Median Year Built | 1964 |
Property Tax
| Avg Tax (IRS) | $6,982 |
| 99% above US avg |
| Effective Rate | 4.09% |
In Lone Tree, 32.3% of adults are obese, above the national rate of 32.1%. 8.7% have diabetes (below the 10.5% national rate). Heart disease affects 5.0% of residents. 29.1% have high blood pressure. 14.3% are current smokers. 24.5% report binge drinking. 19.7% are physically inactive, below the national average. 21.9% report depression. 17.5% experience frequent mental distress. 7.2% of residents lack health insurance. The primary care physician ratio is 1:521. The dentist ratio is 1:424. 89.7% of residents have access to exercise opportunities. The food environment index is 9.0 out of 10.
Health Metrics: Lone Tree vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.3% |
| 1% above US avg |
| Diabetes | 8.7% |
| Heart Disease | 5.0% |
| High Blood Pressure | 29.1% |
| Asthma | 10.1% |
| COPD | 5.6% |
| Cancer | 7.3% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 14.3% |
| 2% above US avg |
| Binge Drinking | 24.5% |
| Physical Inactivity | 19.7% |
| Depression | 21.9% |
| Mental Distress | 17.5% |
| Physical Distress | 11.3% |
| Short Sleep | 31.5% |
Healthcare Access
| Insurance Rate | 90.5% |
| Uninsured | 7.2% |
| 16% below US avg |
| Primary Care | 1:521 |
| Dentists | 1:424 |
| Mental Health | 1:209 |
| Checkup Rate | 75.5% |
| Dental Visits | 69.0% |
| Premature Death | 4,821/100K |
Food & Exercise
| Food Environment | 9.0/10 |
| Exercise Access | 89.7% |
| Healthcare Facilities | 493 |
Lone Tree has a violent crime rate of 134 per 100,000 residents, 65% below the national average of 380. Property crime stands at 886 per 100,000, 55% below the U.S. average. The county recorded 5 fatal traffic crashes. Overall, Lone Tree receives a safety grade of F.
Crime Rates: Lone Tree vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 134.3/100K |
| 65% below US avg |
| |
Property Crime
| Total Property | 886.1/100K |
| 55% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Lone Tree experiences four distinct seasons with an average annual temperature of 49°F (9°C). Winters average 20°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 38.8 inches. The area receives 31.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 734 feet.
Temperature
20°F Jan (-6°C)
73°F Jul (23°C)
| Annual Average | 48.8°F |
| 10% below US avg |
| January Average | 20°F (-6°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 734 ft (224 m) |
| Area | 1.1 sq mi (2.8 km²) |
| Population Density | 1,201/sq mi |
| Coordinates | 41.4859°N, 91.4267°W |
| Timezone | America/Chicago |
| County | Johnson County County |
| Nearest Airport | The Eastern Iowa (CID)
32 miles away |
Precipitation & Snow
Annual Rainfall
38.8"
2% above US avg
Wettest Month (Jul)
4.37"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 10.3 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 87.4 / 100 |
| Social Vulnerability | 11.4 / 100 |
| Community Resilience | 96.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively High |
| Strong Wind |
Very High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
657 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 10 fatalities, 283 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 31, 2023 |
EF4 |
54 km |
0 |
| Mar 13, 1990 |
EF4 |
83 km |
0 |
| Aug 12, 1974 |
EF4 |
96 km |
0 |
| Aug 12, 1974 |
EF4 |
69 km |
0 |
| Apr 11, 1965 |
EF4 |
58 km |
1 |
| Apr 30, 1954 |
EF4 |
73 km |
0 |
| Mar 31, 2023 |
EF3 |
89 km |
0 |
| Jun 1, 2007 |
EF3 |
31 km |
0 |
| May 21, 2004 |
EF3 |
71 km |
0 |
| May 15, 1998 |
EF3 |
34 km |
0 |
| May 9, 1995 |
EF3 |
48 km |
0 |
| Jul 13, 1992 |
EF3 |
81 km |
0 |
| Mar 13, 1990 |
EF3 |
96 km |
0 |
| May 8, 1988 |
EF3 |
61 km |
0 |
| Aug 15, 1978 |
EF3 |
59 km |
0 |
| Jun 14, 1974 |
EF3 |
64 km |
0 |
| May 13, 1974 |
EF3 |
70 km |
0 |
| Jul 12, 1971 |
EF3 |
91 km |
0 |
| May 31, 1971 |
EF3 |
100 km |
0 |
| May 18, 1971 |
EF3 |
71 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
9 wildfires (100+ acres) within 100 km.
Largest: UNIT 3 (1,206 ac, 1999).
| Year |
Name |
Acres |
Distance |
| 1999 |
UNIT 3 |
1,206 |
50 km |
| 2002 |
HSB 03 2 |
1,130 |
49 km |
| 2009 |
UNNAMED |
939 |
81 km |
| 2010 |
FOLEY |
786 |
78 km |
| 2000 |
DESTRUST A |
756 |
49 km |
| 2011 |
ACE AUTO |
676 |
68 km |
| 2006 |
HSB 003 |
674 |
50 km |
| 2004 |
HSB 009 |
608 |
49 km |
| 2011 |
IRCP WUI ROFAE #2 FY11 |
510 |
88 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
20°F (-6°C) |
1.2 in |
Coldest |
| February |
27°F (-3°C) |
1.1 in |
Driest |
| March |
39°F (4°C) |
2.5 in |
|
| April |
51°F (11°C) |
3.5 in |
|
| May |
62°F (17°C) |
4.2 in |
|
| June |
71°F (22°C) |
4.3 in |
|
| July |
73°F (23°C) |
4.4 in |
Warmest, Wettest |
| August |
73°F (23°C) |
4.2 in |
|
| September |
65°F (18°C) |
4.1 in |
|
| October |
53°F (12°C) |
2.9 in |
|
| November |
39°F (4°C) |
2.3 in |
|
| December |
26°F (-3°C) |
1.8 in |
|
Lone Tree has a seasonal temperature swing of 53°F / from 20°F in January to 73°F in July. Total annual precipitation is 36.4 inches, with July being the wettest month (4.4") and February the driest (1.1").
Average costs for common services in Lone Tree. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $765 |
| Toddler | $659 |
| Preschool | $659 |
| Family Childcare (monthly) |
| Infant | $516 |
| Toddler | $508 |
| Preschool | $508 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lone Tree
What is the population of Lone Tree?
Lone Tree has a population of 1,285 residents and is located in Iowa. The population density is 1,201 people per square mile, spread across 1.1 square miles. The median age of residents is 44.8 years, which is older than the national median of 38.9 years. The population is 46.3% female and 53.7% male.
Is Lone Tree expensive to live in?
Lone Tree is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $80,294, 7% above the national average of $75,149. The median home value is $170,700 (39% below the U.S. median). Renters pay a median of $947 per month, below the national average of $1,163. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
Is Lone Tree safe?
Lone Tree is considered a very safe city with a violent crime rate of 134 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 886 per 100,000 (below the national average). Overall, Lone Tree receives a safety grade of F based on combined crime data.
What is the weather like in Lone Tree?
Lone Tree has a four-season climate with an average annual temperature of 49°F (9°C). Winter temperatures average 20°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 38.8 inches, with 31.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Lone Tree?
The job market in Lone Tree is very strong, with unemployment at just 1.5% / well below the national rate of 3.6%. The average weekly wage is $1,238. There are 5,140 business establishments in the area, including 448 restaurants and food service locations. The average commute time is 27 minutes, and 6.3% of workers work from home.
How much does housing cost in Lone Tree?
The median home value in Lone Tree is $170,700. Zillow estimates the typical home value at $246,233. For renters, the median monthly rent is $947. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 85.8%. The average annual property tax is $6,982.
How are the schools in Lone Tree?
Schools in Lone Tree score 6.2 out of 10 on standardized testing, near the national average. 21.5% of adults in Lone Tree hold a bachelor's degree or higher, below the national average of 33.7%. 95.3% have completed high school. 6.5% hold a graduate or professional degree.
How healthy is Lone Tree?
The obesity rate in Lone Tree is 32.3% (above the national rate of 32.1%). 14.3% of adults are smokers. 19.7% are physically inactive. 21.9% of residents report depression. 7.2% lack health insurance (below the national rate). 89.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:521.
What is transportation like in Lone Tree?
The average commute in Lone Tree is 27 minutes. 73.6% of workers drive alone to work, and 6.3% work from home.
What are the demographics of Lone Tree?
The racial and ethnic makeup of Lone Tree is 93.3% White. 97.4% of residents speak only English at home. 8.5% of the population are military veterans. 9.4% of residents have a disability. 90.5% have health insurance coverage.
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