Updated April 2026 · U.S. Census Bureau, fiscal year 2023
Is Council Bluffs, IA in Financial Trouble?
Yes — Council Bluffs, IA shows real signs of fiscal stress. Its D grade (43/100) puts it in the lower tier of cities its size, with multiple pressure points, debt burden, pension underfunding, or recent operating deficits, weighing on the score. Bond raters and state oversight officials tend to watch D-grade cities closely.
Council Bluffs, IA Budget Snapshot
| Total Spending | $1.1B |
| Per Capita Spending | $17,662 |
| Total Revenue | $883.7M |
| Total Debt | $62.3M |
| Debt Per Capita | $994 |
| Population | 62,670 |
| Fiscal Health Score | 43/100 (D) |
| Data Year | FY 2023 |
Fiscal Health Score Breakdown
Council Bluffs's D grade is the weighted average of six factors, each scored 0–100. Its strongest input is Revenue Diversity (100/100); its weakest is Debt Burden (per capita vs peers) (0/100). The weakest factor is where budget pressure is most likely to surface first.
What Does the D Grade Mean?
Council Bluffs, IA earns a D on the CitySpend Fiscal Health Score (43/100). Multiple stress indicators, debt burden, pension underfunding, or a recent run of operating deficits, are flashing. Bond raters and state oversight officials typically pay closer attention to D-grade cities.
Debt Burden in Context
Debt-wise, Council Bluffs sits close to the peer median for cities its size: $994 per resident versus a peer-group median of $0. That tracks with normal capital-program borrowing for streets, water, and public buildings.
Where the Money Goes
Of the $1.1B that Council Bluffs, IA spent in its most recent reported fiscal year, the largest single line item per resident is Parks & Recreation at $1,587. Fire Protection comes next at $850 per resident. Together those two functions account for the bulk of every-day taxpayer-facing services in the city budget. The remaining categories, parks, health, housing, debt service, and general administration, fill out the picture.
Top Spending Categories (Per Capita)
Where the Money Comes From
Where does the money come from? Property tax provides 0 percent of city revenue, sales tax 2 percent, intergovernmental transfers from federal and state sources 3 percent, and direct charges and user fees 17 percent. The remainder comes from utility revenue, income tax (where applicable), and miscellaneous sources.
How This Score Is Calculated
The CitySpend Fiscal Health Score combines six factors into one composite, drawn from the U.S. Census Bureau Annual Survey of State and Local Government Finances: budget balance and reserves (25%), debt burden per capita versus peer median (20%), pension funded ratio from the Public Plans Database (20%), spending efficiency (15%), revenue diversity (10%), and three-year trend direction (10%). Best-practice weighting follows guidance from the Government Finance Officers Association (GFOA). Read the full methodology.
More about Council Bluffs, IA
Yes — Council Bluffs, IA shows real signs of fiscal stress. Its D grade (43/100) puts it in the lower tier of cities its size, with multiple pressure points, debt burden, pension underfunding, or recent operating deficits, weighing on the score. Bond raters and state oversight officials tend to watch D-grade cities closely.
The data source behind this answer is the Census Annual Survey of State and Local Government Finances. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
For readers turning this answer into action: cross-reference against the underlying the Census Annual Survey of State and Local Government Finances record before acting on time-sensitive decisions. The site renders the data as it was published; subsequent revisions can shift the picture, and the live federal data is always the authoritative current reference.