Median Income
$67,031
11% lower than US avg
Home Value
$138,600
51% lower than US avg
Violent Crime
270/100K
29% lower than US avg
Bachelor's+
32.3%
4% lower than US avg
Median Rent
$1,125
3% lower than US avg
Obesity Rate
35.4%
10% higher than US avg
Unemployment
1.0%
72% lower than US avg
Poverty Rate
19.2%
55% higher than US avg
How Zearing Compares to the U.S. Average (100% = U.S. avg)
People
Population584
Median Age34.2 yrs
Density779/mi²
Male / Female53% / 47%
Largest GroupWhite 80%
Veterans8.4%
Economy
B+
Median Income$67,031
Per Capita$28,770
Unemployment1.0%
Poverty19.2%
County GDP$7,790M
Commute26 min
Housing
A+
Home Value$138,600
Rent$1,125
Ownership79.0%
Zillow$238,453
Housing Units236
Rent Burden20.7%
Crime
F
Violent270/100K
Property540/100K
Health
Obesity35.4%
Uninsured6.2%
Smoking15.3%
Depression22.6%
Heart Disease5.3%
Climate
Avg Temp48°F (9°C)
AQI43 (Good)
Rain36.5 in/yr
Sunny Days260/yr
Elevation1,033 ft (315 m)
Education
B+
Bachelor's+32.3%
High School+96.3%
Graduate+2.9%
School Score6.79
Community
2024 VoteR 44% / D 54%
Commute26 min
Broadband88.0%
EV Stations1
Libraries13
Is Zearing a Good Place to Live?
Based on current data, Zearing 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. Areas to be aware of include an elevated poverty rate. Zearing offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Zearing is $67,031, 11% below the national average of $75,149. The job market is very strong with unemployment at just 1.0%. The poverty rate of 19.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in Zearing is $138,600, 51% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,125 per month. At just 2.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Zearing is below the national average at 270 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 540 per 100,000, 72% below the national average.
Education
32.3% of residents hold a bachelor's degree, below the national average of 33.7%. 96.3% have completed high school. Local schools score 6.8/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Zearing experiences four distinct seasons with an average temperature of 48°F. Winters average 18°F in January while summers reach 73°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 36.5 inches, including 30.6 inches of snow. Air quality is rated Good with a median AQI of 43.
Zearing has a population of 584 with a density of 779 people per square mile, spread across 0.8 square miles. The median age is 34.2 years, 12% younger than the national median of 38.9. The gender split is 47.4% female and 52.6% male. The city is predominantly White (79.8%), with 1.2% Hispanic, 1.9% Black. English is the primary language spoken at home by 89.7% of residents, while 10.3% speak Spanish. 8.4% of the population are veterans, above the national rate of 6.0%. 9.1% of residents have a disability (below the 13.0% national average). 96.3% have health insurance coverage.
Population
34.2yrs
Median Age
12% below US avg
Language Spoken at Home
English Only
89.7%
14% above US avg
Spanish
10.3%
23% below US avg
The median household income in Zearing is $67,031, which is 11% below the national average of $75,149. Per capita income is $28,770 (below the $39,052 national figure). The average weekly wage is $1,204, 16% lower than the U.S. average. The unemployment rate is 1.0% (below the 3.6% US average). 19.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 3,066 business establishments, including 268 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 26 minutes. 5.6% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $67,031 |
| 11% below US avg |
| Per Capita Income | $28,770 |
| Avg Weekly Wage | $1,204 |
| IRS Avg AGI | $86,259 |
| Gini Index | 0.478 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.0% |
| 72% below US avg |
| Poverty Rate | 19.2% |
| 55% above US avg |
| Establishments (County) | 3,066 |
| County GDP | $7,790M |
Business (County)
| Restaurants | 268 |
| Healthcare | 229 |
| Retail | 275 |
| Manufacturing | 76 |
Tax & Cost of Living
| Property Tax (IRS) | $5,724 |
| 64% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 4.13% |
Commute & Transportation
| Commute Time | 26.3 min |
| Drive Alone | 65.2% |
| Public Transit | 0.0% |
| Work from Home | 5.6% |
The median home value in Zearing is $138,600, 51% below the national median of $281,900. Zillow estimates the typical home value at $238,453, higher than the Census estimate. Monthly rent averages $1,125 (3% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 79.0% of housing units are owner-occupied (above the 65.4% national rate). There are 236 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $5,724 (higher than the $3,500 national average). 20.7% 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 | $138,600 |
| 51% below US avg |
| Zillow ZHVI | $238,453 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,125 |
| 3% below US avg |
| Rent Burden | 20.7% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 79.0% |
| Owner-Occupied | 79.0% |
| Renter-Occupied | 21.0% |
| Housing Units | 236 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $5,724 |
| 64% above US avg |
| Effective Rate | 4.13% |
In Zearing, 35.4% of adults are obese, above the national rate of 32.1%. 9.1% have diabetes. Heart disease affects 5.3% of residents. 30.3% have high blood pressure. 15.3% are current smokers. 24.1% report binge drinking. 22.1% are physically inactive. 22.6% report depression. 17.5% experience frequent mental distress. 6.2% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,554. The dentist ratio is 1:1,954. 92.9% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Zearing vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.4% |
| 10% above US avg |
| Diabetes | 9.1% |
| Heart Disease | 5.3% |
| High Blood Pressure | 30.3% |
| Asthma | 10.3% |
| COPD | 5.9% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.3% |
| 9% above US avg |
| Binge Drinking | 24.1% |
| Physical Inactivity | 22.1% |
| Depression | 22.6% |
| Mental Distress | 17.5% |
| Physical Distress | 11.7% |
| Short Sleep | 30.2% |
Healthcare Access
| Insurance Rate | 96.3% |
| Uninsured | 6.2% |
| 28% below US avg |
| Primary Care | 1:1,554 |
| Dentists | 1:1,954 |
| Mental Health | 1:378 |
| Checkup Rate | 75.5% |
| Dental Visits | 67.4% |
| Premature Death | 4,947/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 92.9% |
| Healthcare Facilities | 229 |
Zearing has a violent crime rate of 270 per 100,000 residents, 29% below the national average of 380. Property crime stands at 540 per 100,000, 72% below the U.S. average. The county recorded 5 fatal traffic crashes. Overall, Zearing receives a safety grade of F.
Crime Rates: Zearing vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 270.1/100K |
| 29% below US avg |
| |
Property Crime
| Total Property | 540.2/100K |
| 72% 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 |
Zearing experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 18°F in January while summers reach 73°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 36.5 inches. The area receives 30.6 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 1,033 feet.
Temperature
18°F Jan (-8°C)
73°F Jul (23°C)
| Annual Average | 47.8°F |
| 11% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 1,033 ft (315 m) |
| Area | 0.8 sq mi (1.9 km²) |
| Population Density | 779/sq mi |
| Coordinates | 42.1589°N, 93.2972°W |
| Timezone | America/Chicago |
| County | Story County County |
| Nearest Airport | Des Moines International (DSM)
50 miles away |
Precipitation & Snow
Annual Rainfall
36.5"
4% below US avg
Wettest Month (Jun)
4.92"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 68.8 / 100 |
| Social Vulnerability | 13.0 / 100 |
| Community Resilience | 86.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
733 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 42 fatalities, 1,149 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 25, 2008 |
EF5 |
55 km |
9 |
| Jun 13, 1976 |
EF5 |
54 km |
0 |
| May 15, 1968 |
EF5 |
70 km |
13 |
| Oct 14, 1966 |
EF5 |
77 km |
6 |
| May 30, 1989 |
EF4 |
17 km |
0 |
| May 24, 1989 |
EF4 |
44 km |
0 |
| Sep 28, 1986 |
EF4 |
52 km |
0 |
| May 4, 1977 |
EF4 |
81 km |
0 |
| Jun 18, 1974 |
EF4 |
55 km |
2 |
| Jun 8, 1967 |
EF4 |
83 km |
0 |
| Aug 26, 1965 |
EF4 |
92 km |
1 |
| May 5, 1965 |
EF4 |
98 km |
0 |
| Sep 1, 1961 |
EF4 |
73 km |
0 |
| Jul 19, 2018 |
EF3 |
24 km |
0 |
| Jul 19, 2018 |
EF3 |
83 km |
0 |
| Jun 12, 2013 |
EF3 |
86 km |
0 |
| Nov 12, 2005 |
EF3 |
65 km |
1 |
| May 11, 2000 |
EF3 |
80 km |
1 |
| Mar 22, 1991 |
EF3 |
40 km |
0 |
| Jun 28, 1990 |
EF3 |
53 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
4 wildfires (100+ acres) within 100 km.
Largest: NEAL SMITH WUI 2016 1 (1,050 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
NEAL SMITH WUI 2016 1 |
1,050 |
64 km |
| 2009 |
UNNAMED |
939 |
92 km |
| 2010 |
FOLEY |
786 |
95 km |
| 2011 |
IRCP WUI ROFAE #2 FY11 |
510 |
85 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
0.8 in |
Coldest, Driest |
| February |
23°F (-5°C) |
1.0 in |
|
| March |
35°F (2°C) |
2.2 in |
|
| April |
48°F (9°C) |
3.3 in |
|
| May |
60°F (16°C) |
4.3 in |
|
| June |
70°F (21°C) |
4.9 in |
Wettest |
| July |
73°F (23°C) |
4.3 in |
Warmest |
| August |
71°F (22°C) |
4.3 in |
|
| September |
63°F (17°C) |
3.5 in |
|
| October |
51°F (11°C) |
2.6 in |
|
| November |
36°F (2°C) |
1.7 in |
|
| December |
22°F (-6°C) |
1.1 in |
|
Zearing has a seasonal temperature swing of 55°F / from 18°F in January to 73°F in July. Total annual precipitation is 34.0 inches, with June being the wettest month (4.9") and January the driest (0.8").
Average costs for common services in Zearing. 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 | $738 |
| Toddler | $636 |
| Preschool | $636 |
| Family Childcare (monthly) |
| Infant | $498 |
| Toddler | $490 |
| Preschool | $490 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Zearing
What is the population of Zearing?
Zearing has a population of 584 residents and is located in Iowa. The population density is 779 people per square mile, spread across 0.8 square miles. The median age of residents is 34.2 years, which is younger than the national median of 38.9 years. The population is 47.4% female and 52.6% male.
Is Zearing expensive to live in?
Zearing 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 $67,031, 11% below the national average of $75,149. The median home value is $138,600 (51% below the U.S. median). Renters pay a median of $1,125 per month. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
Is Zearing safe?
Zearing is safer than the national average, with a violent crime rate of 270 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 540 per 100,000 (below the national average). Overall, Zearing receives a safety grade of F based on combined crime data.
What is the weather like in Zearing?
Zearing has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 18°F in January, while summers reach an average of 73°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 36.5 inches, with 30.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Zearing?
The job market in Zearing is very strong, with unemployment at just 1.0% / well below the national rate of 3.6%. The average weekly wage is $1,204. There are 3,066 business establishments in the area, including 268 restaurants and food service locations. The average commute time is 26 minutes, and 5.6% of workers work from home.
How much does housing cost in Zearing?
The median home value in Zearing is $138,600. Zillow estimates the typical home value at $238,453. For renters, the median monthly rent is $1,125. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 79.0%. The average annual property tax is $5,724.
How are the schools in Zearing?
Schools in Zearing score 6.8 out of 10 on standardized testing, near the national average. 32.3% of adults in Zearing hold a bachelor's degree or higher, below the national average of 33.7%. 96.3% have completed high school. 2.9% hold a graduate or professional degree.
How healthy is Zearing?
The obesity rate in Zearing is 35.4% (above the national rate of 32.1%). 15.3% of adults are smokers. 22.1% are physically inactive. 22.6% of residents report depression. 6.2% lack health insurance (below the national rate). 92.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,554.
What is transportation like in Zearing?
The average commute in Zearing is 26 minutes. 65.2% of workers drive alone to work, and 5.6% work from home.
What are the demographics of Zearing?
The racial and ethnic makeup of Zearing is 79.8% White, 1.9% Black or African American, 1.2% Hispanic or Latino. 89.7% of residents speak only English at home, while 10.3% speak Spanish. 8.4% of the population are military veterans. 9.1% of residents have a disability. 96.3% have health insurance coverage.
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