Personal loans in Houghton, IA

Rate-shopping from Houghton costs nothing at pre-qualification, where a soft pull leaves your credit file alone. To lend to Houghton's 136 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. A 2020-to-2023 comparison shows Houghton down by about 2.2%. Borrowers who want a bigger city can look to Salem, IA about 5 miles away.

Borrowing in Houghton: the local picture

The figures below are Houghton's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: the Census counts 136 residents in Houghton (Vintage 2023 subcounty estimate), the 761st-largest figure among Iowa's 940 places.
• Population trend: About 2.2% below the 2020 Census base.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: roughly 19% of Iowa's places have fewer residents than Houghton's 136.
• Density: roughly 453 residents per square mile, spread over 0.3 sq mi of land.
• Land area rank: Houghton's 0.3 square miles rank 790th of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in Houghton (136 people).
• National rank: Houghton is 17,498th of 19,457 places nationwide.
• Growth rank: Houghton ranks 665th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Houghton's 2.2% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Houghton ranks 634th by people per square mile.
• Density vs Iowa: Houghton's 453 people per square mile compare with a state median of 672.
• Location: 40.7837 / -91.6100, per the US Census Bureau Gazetteer.
• Nearest larger cities: Salem (5 mi); Hillsboro (6 mi); West Point (10 mi); Donnellson (10 mi); Bonaparte (11 mi). Lenders licensed in the state serve Houghton whether or not they keep a local branch.
• Nearest smaller towns: St. Paul (5 mi); Franklin (10 mi); Westwood (13 mi).
• Within a 50-mile radius: 29 smaller Census places.
• Larger places within 100 miles: 393.

What shapes a Houghton personal loan

With roughly 136 residents, Houghton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Houghton's rank of 761st in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Houghton decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Houghton

Houghton is a lightly settled community of about 136 people, with 95 larger places inside a 50-mile radius. Distance to a branch rarely matters for Houghton's 136 residents: the application is online and the price follows your credit file. The nearest larger city, Salem, IA about 5 miles away.

Houghton on the map

Houghton's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 453 people per square mile. The state's population centre of gravity, Des Moines, is roughly 117 miles away. Counting outward 50 miles, 95 larger communities surround Houghton. By land area it ranks 790th of 940 Iowa places.

How Houghton compares across Iowa

Set beside Iowa's 940 places, Houghton ranks 761st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Houghton ranks 665th of 940 in Iowa (about the 29th percentile). By density, at about 453 people per square mile, it ranks 634th in Iowa. Within 50 miles sit 29 smaller Census places, alongside the 95 that are larger.

The Iowa lending rules that reach Houghton

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Houghton lender must follow.