Bolthole Index

Palo Alto County, Iowa

Building permits, zoning and land rules in Palo Alto County, Iowa

55Index Score / 100
#45 of 99 in Iowa

Unincorporated Palo Alto County, Iowa requires a zoning compliance permit for construction, but we could not confirm a locally adopted residential building code or a general building-inspection program.1 County zoning applies in unincorporated territory, and Palo Alto County Environmental Health administers septic construction permits.23

At a glance

Building permit
A county zoning compliance permit is required before construction; ordinary residential building-code permitting remains unconfirmed.1
Zoning
County zoning applies in unincorporated Palo Alto County.2
Septic
Obtain the county septic construction permit before installing or altering a private system.4
RV living
Long-term residential RV occupancy could not be confirmed; ask the Zoning and Solid Waste Department before relying on it.2
Tiny home
Tiny-home occupancy and a general minimum dwelling size could not be confirmed; ask the Zoning and Solid Waste Department about the parcel and proposed design.2
Owner-builder
Iowa exempts work on your own property from contractor registration, but that does not waive permits, codes, inspections or occupancy requirements.5
Private well
Environmental Health handles wells, but the county permit requirement could not be confirmed from the reviewed county rules.6

Who to call

Zoning

Palo Alto County Zoning and Solid Waste Department

Zoning compliance permits and zoning questions

Septic permits

Palo Alto County Environmental Health

Septic construction permits, site evaluations and septic inspections

Roads & driveways

Palo Alto County Engineer

County secondary-road access and driveway entrance permits

Contact details are copied from each office’s official page and were checked against it on September 27, 2026.

Do you need a building permit in Palo Alto County, Iowa?

Before construction in unincorporated Palo Alto County, begin with the county zoning compliance permit.1 The reviewed county material establishes that land-use approval, but it does not establish a general residential building-code permit, routine building inspections or a certificate of occupancy for an ordinary private home.1 Iowa's state building code applies only to specified construction, including state-owned or state-funded buildings, factory-built structures and places where a local government has accepted the code.7 Ask the Zoning and Solid Waste Department whether another approval applies to your exact structure before ordering materials. Qualifying agricultural land and structures generally sit outside county zoning, although floodplain regulation can still apply.8

Who issues building and land-use permits in Palo Alto County?

Palo Alto County directs construction proposals to its Zoning and Solid Waste Department for zoning compliance review.1 The county record supports a pre-construction zoning permit rather than a confirmed full building-code department.1 Start with that office and describe the parcel, present use, proposed use, structure type and location so staff can identify the applicable zoning district. County zoning governs only unincorporated territory; a property inside a city is subject to that city's process instead.2 We could not confirm a general county inspection schedule or certificate-of-occupancy requirement, so ask the Zoning and Solid Waste Department about both for the proposed project. Iowa's owner-property exemption concerns contractor registration only and does not erase any applicable permit, code, inspection or occupancy rule.5

Does Palo Alto County have zoning?

Yes. Palo Alto County's zoning ordinance applies to the county's unincorporated territory, not land inside city limits.2 That makes the parcel's district and proposed use central questions before purchase or construction. Qualifying agricultural land, farm houses, farm barns and other structures primarily adapted to agricultural purposes are generally outside county zoning while used that way, but floodplain controls may still reach them.8 A manufactured home cannot be rejected solely because it is manufactured housing, yet it remains subject to the standards imposed on a site-built single-family home on the same lot, including permanent-foundation, setback and minimum-area standards.9 We could not confirm a general minimum home size or lot-coverage rule for unincorporated Palo Alto County; the Zoning and Solid Waste Department should answer those questions for the specific district.2

How do septic permits work in Palo Alto County?

Palo Alto County Environmental Health administers private septic construction permits.3 Obtain the permit before installing or altering a system; a repair that does not change treatment or disposal may fall under the limited repair exception described in the reviewed rule.4 Newly constructed systems require a final inspection before backfilling or at the time set by the administrative authority.10 Soil feasibility deserves early attention because only about 10% of county soils lack severe limits for a conventional drain field.11 That soil rating does not deny a permit, but it makes a site evaluation and system design important before fixing a house location. Iowa also requires a qualifying private septic system to be inspected before an ownership transfer, subject to statutory exceptions.12

Can you live in an RV or tiny home in Palo Alto County?

We could not confirm a rule allowing long-term residential RV occupancy or general temporary camping on private land in unincorporated Palo Alto County.2 Ask the Zoning and Solid Waste Department whether the parcel's district permits the proposed duration, utility connections and living arrangement before buying an RV site. Tiny-home occupancy and a general minimum dwelling floor area also remain unconfirmed, so do not assume a small house is automatically allowed.2 A manufactured home has clearer statewide protection: Palo Alto County cannot reject it solely because it is manufactured, although the same-lot standards for a site-built home may govern its foundation, setback and minimum area.9 Iowa also requires counties to allow an accessory dwelling unit where a single-family residence is an allowed principal use, subject to the statewide conditions.13

What steps should you follow to build in Palo Alto County?

  1. Confirm that the parcel is outside city limits and ask the Zoning and Solid Waste Department for its district and permitted uses.2
  1. Submit the county zoning compliance permit before construction and ask whether building-code review, inspections or an occupancy certificate apply to the exact project.1
  1. If the site needs private wastewater, contact Environmental Health for evaluation and obtain the septic construction permit before installation or alteration.4
  1. Keep new septic work open for the required final inspection before backfilling.10
  1. If any work lies in a regulated floodplain, secure the floodplain development permit before development begins.14
  1. For access to an Iowa primary highway, obtain Iowa DOT district approval before beginning driveway work; ask the County Engineer about access from a county secondary road.15

What should you check before buying land in Palo Alto County?

Confirm zoning and city-limit status before treating a listing as buildable, because county zoning applies only in unincorporated Palo Alto County.2 Test septic feasibility early: about 10% of county soils lack severe limitations for a conventional drain field, so a low-cost conventional layout should not be assumed.11 Ask Environmental Health about both wastewater and private-well requirements because the reviewed material does not settle the well-permit question.6 Check flood maps and ask the county about a floodplain development permit before grading, filling, paving, drilling, placing a factory-built home or constructing another structure in a regulated floodplain.14 Verify legal road access with the County Engineer or Iowa DOT, depending on who controls the road.15 For carrying-cost context, the effective property-tax rate is about 1.2%, with a median annual bill near $1,471.1617

Watch-outs

  • A zoning compliance permit does not by itself answer whether residential building-code review, inspections or an occupancy certificate apply; ask the Zoning and Solid Waste Department about the exact project.1
  • Only about 10% of Palo Alto County soils lack severe limits for a conventional septic drain field, so investigate the wastewater site before committing to a house location.11
  • Floodplain development requires a county permit before work begins, including qualifying grading, filling, paving, drilling and placement of factory-built homes.14

Sources

  1. Palo Alto County Zoning and Solid Waste Department (2026 county census)
  2. Zoning Ordinance and Regulations, Palo Alto County, Iowa, quoted and re-checked
  3. Environmental Health, quoted and re-checked
  4. Environmental Health, quoted and re-checked
  5. Iowa Code 2026, Chapter 91C — Construction Contractors (Iowa statewide rule), quoted and re-checked
  6. Environmental Health (2026 county census)
  7. Building Code Plan Review (Iowa statewide rule), quoted and re-checked
  8. Iowa Code 2026, Chapter 335 — County Zoning (Iowa statewide rule), quoted and re-checked
  9. Iowa Code §335.30, Manufactured and modular homes (Iowa statewide rule), quoted and re-checked
  10. Environmental Health, quoted and re-checked
  11. Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
  12. Iowa Code §455B.172, Jurisdiction of department and local boards (Iowa statewide rule), quoted and re-checked
  13. Senate File 2369 — Enrolled (Iowa statewide rule), quoted and re-checked
  14. Palo Alto County Floodplain Ordinance, quoted and re-checked
  15. Access Management (Iowa statewide rule), quoted and re-checked
  16. Effective property tax rate: Bolthole Index county data
  17. Median property tax bill: Bolthole Index county data

Written September 27, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.

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County locator

Palo Alto County in Iowa

55
County map
Palo Alto County highlighted among the Iowa counties · colored by Index score

How Palo Alto County scores

Seclusion78100% ev.
Self-Sufficiency27100% ev.
Admin Boringness61100% ev.
Durability47100% ev.
Property Autonomy51100% ev.
Carry Cost59100% ev.

Evidence strength: 100%. This reports direct-source completeness and fallback use; it is separate from the score and is not a confidence interval. How it works →

$178kTypical home
1.2%Property tax
$9,830Land / acre
32.7"Annual rain
19.4% of yrsSevere drought
3.9 / yr (+3.7)Mid-century 100°F days
16.6 daysMid-century dry spell
1.73" (+10.3%)Mid-century 1-day rain
1.72×Wildfire change factor
100%Forward climate coverage
$1,549Home insurance / yr
2.2% / yrInsurance growth
1.19%Nonrenewal rate
county median (2+ published ZIPs)Insurance basis
5,166People within 30 min
486,832People within 2 hr
10,590Radius comparison (15 mi)
15.6People / sq mi
2.2%Federal land
99.5%Land at 15% slope or less
9.9%Septic soil without severe limits
35,256 acWorkable land screen
1.9%Wooded land
30.8 tonsBiomass / forest ac
46.3°FAvg temp

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Answers from the rulebook for Palo Alto County

What the ordinances and state agencies actually say — one answer per question, each quoted from the official source and independently re-checked.

Palo Alto County rules

  • County-wide zoningPresent

    Zoning regulation in the unincorporated territory of Palo Alto County.

    • The ordinance applies to unincorporated territory only.
    “This ordinance shall apply to the unincorporated territory of Palo Alto County, Iowa.”
  • Who permits septicCounty

    Private septic systems in Palo Alto County.

    • The county environmental health department administers the county septic construction-permit process.
    “Obtain a septic construction permit from the county environmental health department.”
  • Septic permitRequired

    Installation or repair of septic systems in Palo Alto County.

    • The county page says the septic permit application must be completed prior to installation or repair; Iowa rules require a construction permit before installation or alteration, while repair of existing components that does not change treatment or disposal is exempt under the cited rule.
    “No private sewage disposalsystem shall be installed or altered as described in paragraph 69.1(3)“c” unless a construction permit issued by the administrative authority has been obtained.”
  • Septic inspectionRequired

    Septic systems serving buildings in Palo Alto County, including transfers of ownership and newly constructed systems.

    • Inspection is required before transfer of ownership, subject to the listed statutory exemptions; newly constructed systems require final inspection before backfilling or at a time prescribed by the administrative authority.
    “Effective July 1, 2009, Iowa law requires that every home/building served by a septic system have that septic system inspected prior to the sale or deed transfer for the home/building.”
  • Building in a floodplainRequired

    Any floodplain development in Palo Alto County, including buildings, structures, mining, filling, grading, paving, storage, excavation, drilling, and placement of factory-built homes.

    • A permit must be secured before any floodplain development; the application must include descriptions of work and land, structure dimensions, intended use or occupancy, base-flood and lowest-floor elevations, improvement cost and market value when applicable, and other information reasonably required by the Administrator.
    “A Floodplain Development Permit issued by the Administrator shall be secured prior to any floodplain development”

Iowa rules that apply here

  • Building permitLimited

    Construction subject to Iowa's State Building Code, including state-owned buildings, buildings in governmental subdivisions that adopt the code, certain cities over 15,000 population without a substantially conforming local code, factory-built structures, and construction covered by statewide energy-conservation provisions.

    • Iowa Code section 103A.10 makes the state building code applicable to all state-owned buildings and structures.
    • The code applies in a governmental subdivision where the governing body has enacted an ordinance accepting the code.
    • The code applies in each city with a population over 15,000 that has not adopted a substantially conforming local building code.
    • Factory-built-structure manufacture and installation provisions apply throughout Iowa.
    • Permit issuance and enforcement are administered under local law or ordinance; the state source does not establish one universal permit requirement for every building statewide.
    • A governmental subdivision may prohibit commencement of construction until a local building department issues a permit after compliance is shown.
    • The application must be signed by the owner or authorized agent and include the owner's address, a statement that the application seeks permission to construct under the code, and a statement that construction will comply with applicable energy-conservation requirements.
    “The examination and approval or disapproval of plans and specifications, the issuance and revocation of building permits, licenses, certificates, and similar documents, the inspection of buildings or structures, and the administration and enforcement of building regulations shall be the responsibility of the governmental subdivisions of the state and shall be administered and enforced in the manner prescribed by local law or ordinance. [...] Prohibit the commencement of construction until a permit has been issued by the local building department after a showing of compliance with the requirements of the applicable provisions of the state building code.”
  • Owner-builder exemptionAvailable (with conditions)

    A person performing work or having work performed on the person's own property, for purposes of Iowa Code chapter 91C contractor registration.

    • The exemption is from being treated as a contractor for purposes of chapter 91C; it is not stated to waive building permits, building-code compliance, inspections, or certificates of occupancy.
    • The separate annual-earnings threshold is less than $2,000, but the own-property exemption is stated independently.
    • A contractor doing business in Iowa must register under chapter 91C unless an applicable statutory exclusion applies.
    “However, a person who earns less than two thousand dollars annually or who performs work or has work performed on the person’s own property is not a contractor for purposes of this chapter.”
  • Building code adoptedPartial

    The Iowa State Building Code, including the 2024 International Building Code adopted by reference with Iowa amendments, applies statewide to state-owned buildings and structures, qualifying state-funded construction, certain cities over 15,000 that lack a substantially equivalent local building code, and governmental subdivisions that accept the code by ordinance. Factory-built-structure provisions apply throughout Iowa.

    • In a governmental subdivision, the code generally applies only after the governing body enacts an ordinance accepting applicability and files a certified copy with the commissioner.
    • The local ordinance fixes the effective date, which must be no more than six months after adoption.
    • A governmental subdivision may withdraw after one year by ordinance, following the required public hearing and written notice; the withdrawal date must be at least 180 days after ordinance adoption, and previously issued permits are unaffected.
    • The state building code applies to state-owned buildings and structures and to newly constructed buildings and structures paid for in whole or in part with state-appropriated money but not wholly state-owned.
    • Cities with populations over 15,000 that lack a local building code substantially in accord with nationally recognized standards must enforce the state building code.
    • Factory-built-structure provisions apply throughout the state; an approved factory-built structure is deemed compliant with building regulations applicable to its manufacture and installation and is exempt from other state or local building regulations, subject to the statutory exceptions concerning professional engineering and architecture and manufactured homes.
    • The current administrative rule adopts the 2024 International Building Code by reference with amendments; detached one- and two-family dwellings, certain townhouses not more than three stories, and their accessory structures instead comply with the amended International Residential Code.

    adopted model building code: 2024 International Building Code (Adopted by reference with Iowa amendments.) · current administrative-rule effective date: 2025-09-10 (Iowa Administrative Code Chapter 481.301 source identifies ARC 9474C as effective September 10, 2025.) · local ordinance effective-date limit: <= 6 months after adoption · local withdrawal waiting period: >= 1 year after code became applicable (A governmental subdivision may withdraw only after this period has elapsed.) · withdrawal effective-date minimum: >= 180 days after ordinance adoption (Previously issued permits remain unaffected.)

    “The state building code shall be applicable: [...] In each governmental subdivision where the governing body has enacted an ordinance accepting the application of the code.”
  • InspectionsLimited

    Buildings and structures subject to Iowa Code section 103A.10A, including newly constructed state-owned buildings, state-board-of-regents buildings, and certain state-funded buildings.

    • Newly constructed state-owned buildings and structures subject to the state building code are subject to plan review and inspection, excluding renovations and repairs except as provided by statute.
    • Newly constructed buildings owned by the state board of regents are subject to plan review and inspection, excluding renovations and repairs except as provided by statute.
    • State-funded buildings not wholly owned by the state are subject to state plan review and inspection when the governmental subdivision has not adopted the listed codes or does not perform inspections; otherwise they must comply with the local codes and inspections.
    • For ordinary privately owned construction, inspection administration is governed by the applicable local law or ordinance.
    “All newly constructed buildings or structures subject to the state building code, including any addition, but excluding any renovation or repair of such a building or structure, owned by the state or an agency of the state, except as provided in subsection 2, shall be subject to a plan review and inspection by the commissioner or an independent building inspector appointed by the commissioner.”
  • Certificate of occupancyLimited

    Certificates of occupancy or use for buildings subject to Iowa's State Building Code and certificates approving specified buildings, facilities, or installations for licensure.

    • A local building department issues certificates of occupancy or use when required by ordinance.
    • When issued for a building constructed under the state building code, the certificate must certify conformity with the code and is in the form prescribed by the governing body of the governmental subdivision.
    • For facilities governed by Iowa Administrative Code chapter 481.280, if a certificate of occupancy is required for use, it will not be issued until the inspection fee is paid.
    • Chapter 481.280.5 applies to a certificate approving a building, facility, or installation for occupancy upon request from an owner or owner's agency when applicable rules are satisfied and all fees are paid.
    • The state sources do not require a certificate of occupancy for every building statewide.

    additional reinspection fee: 125 USD (Applies for each additional reinspection after the initial reinspection when original deficiencies remain uncorrected.)

    “Issue certificates of occupancy or use, permits, licenses, and other documents in connection with the construction of buildings or structures as may be required by ordinance. (1) A certificate of occupancy or use for a building or structure constructed in accordance with the provisions of the state building code shall certify that the building or structure conforms to the requirements of the code. The certificate shall be in the form the governing body of the governmental subdivision prescribes.”
  • Manufactured homesAllowed (with conditions)

    Placement and residential occupancy of manufactured homes under county zoning statewide in Iowa

    • A county may not disallow the proposed residential structure solely because it is a manufactured home.
    • The home must be located and installed under the same standards applicable to a site-built single-family dwelling on the same lot, including permanent foundation, setback, and minimum square footage standards.
    • The home must be assessed and taxed as a site-built dwelling.
    • A county may not require an incompatible perimeter foundation system and may not require more than one permanent foundation system.
    • Outside a manufactured home community or mobile home park, requirements may ensure visual compatibility of the permanent foundation system with surrounding residential structures.
    • Recorded restrictive covenants are not abrogated.
    • Counties may regulate transportation, water, sewerage, and other land development; the statute also bars width standards greater than twenty-four feet and certain design standards when federal standards are met.

    maximum mandated width standard: <= 24 feet (if the housing otherwise complies with 42 U.S.C. §5403)

    “A county shall not adopt or enforce zoning regulations or other ordinances which disallow the plans and specifications of a proposed residential structure solely because the proposed structure is a manufactured home. However, a zoning ordinance or regulation shall require that a manufactured home be located and installed according to the same standards, including but not limited to a permanent foundation system, set-back, and minimum square footage, which would apply to a site-built, single family dwelling on the same lot, and shall require that the home is assessed and taxed as a site-built dwelling.”
  • Accessory dwellingsAllowed (with conditions)

    City regulation of accessory dwelling units statewide in Iowa, within a zoning district where a single-family residence is an allowed principal use

    • At least one accessory dwelling unit must be allowed on the same lot as a single-family residence.
    • The accessory dwelling unit must comply with applicable building regulations under chapter 103A.
    • The unit may not exceed 1,000 square feet or 50 percent of the size of the single-family residence, whichever is larger; unfinished basements are excluded from the size calculation.
    • Historic-building-code restrictions, deed restrictions, and common-interest-community rules may limit or prohibit construction or use.
    • A manufactured or mobile home used as the accessory dwelling unit must be converted to real property by placement on a permanent foundation and assessed for real-estate taxes under section 435.26.
    • A historic-preservation area may regulate the unit to the extent the city or commission determines it incongruous and records its reasons.
    • Effective July 1, 2026.

    maximum accessory dwelling unit size: 1,000 square feet or 50% of the single-family residence, whichever is larger (unfinished basements excluded from the size calculation)

    “A city shall allow a minimum of one accessory dwelling unit on the same lot as a single family residence within a zoning district where a single family residence is an allowed principal use, in accordance with the following conditions:”
    One more reviewed finding on this topic
    • Allowed (with conditions) — County regulation of accessory dwelling units statewide in Iowa, within a zoning district where a single-family residence is an allowed principal use
      “A county shall allow a minimum of one accessory dwelling unit on the same lot as a single family residence within a zoning district where a single family residence is an allowed principal use, in accordance with the following conditions:”
  • Permit feesPublished

    Fees imposed and collected by Iowa state agencies, including any state-agency permit fees listed on the Iowa Government Fees Website.

    • The website does not include fees for universities or community colleges, open record requests, or costs for purchase of a product or good.
    • This claim does not establish local county or municipal permit-fee schedules.
    “Fees Imposed & Collected by State Agencies”
  • Permit processPartial

    Requests for access connections, driveways, or entrances to Iowa primary highways administered by the Iowa Department of Transportation.

    • The permitting process is administered by Iowa DOT district offices.
    • The permit application must be approved before work may begin.
    • The approval process may include internal Iowa DOT review by different offices.
    • The applicant may be asked for more information.
    • A traffic impact analysis is required for all Type A and Type B access permits.
    “In Iowa, the permitting process is administered by the Iowa DOT's district offices.”
  • county zoning authorityGeneral

    Iowa counties may adopt zoning ordinances for land and structures within the county but outside the corporate limits of any city.

    • Chapter 335 applies to any Iowa county at the option of its board of supervisors.
    • The zoning power is subject to Iowa Code section 335.2: ordinances generally do not apply to agricultural land, farm houses, farm barns, farm outbuildings, or other structures primarily adapted for agricultural purposes while so used, except that ordinances may apply to structures, buildings, dams, obstructions, deposits, or excavations in or on river or stream floodplains.
    • A county may not require an application, approval, or fee for an ordinance to be deemed inapplicable to qualifying agricultural land or structures.
    • A county may not regulate, restrict, or prohibit the location of permanent buildings or temporary structures used for consumer-fireworks sales pursuant to section 10A.519 in locations zoned commercial or industrial.
    • The board of supervisors may divide the county into zoning districts, and regulations may differ among districts.
    • Regulations and restrictions require public-hearing and notice procedures under sections 335.6 and 331.305; district boundaries must identify the affected township and section and, if possible, streets or roads.
    • Energy-conservation and solar-access objectives do not require zoning in a county that did not have zoning before July 1, 1981.
    “applicable to any county [...] at the option of the board of supervisors [...] outside of the corporate limits of any city.”

Still unanswered

We looked and could not find an official answer yet. Silence is not permission — ask the county directly.

  • Minimum dwelling size — Minimum dwelling floor area in unincorporated Palo Alto County.
  • Lot coverage — General lot-coverage requirements in unincorporated Palo Alto County.
  • Living in an RV — Long-term or residential occupancy of recreational vehicles in unincorporated Palo Alto County.
  • Camping on your land — Temporary camping outside an approved campground in unincorporated Palo Alto County.
  • Tiny homes — Tiny-home occupancy in unincorporated Palo Alto County.
4 more unanswered
  • Off-grid sanitation
  • Well permit
  • Driveway access
  • Short-term rentals

Each answer was extracted from an official source and independently re-checked against that source by a second reviewer. That is an evidence check, not legal advice. Rules change; confirm with the authority before you buy or build.

Living off-grid in Palo Alto County, Iowa

Is Palo Alto County a good place to live off-grid or homestead?

Palo Alto County scores 55/100 on the Bolthole Index, a solid county profile. Its strengths: sparse surroundings — about 5,166 people within a 30-minute drive and low administrative friction for a quiet rural property. Watch-outs: workable self-sufficiency basics (32.7″/yr rainfall).

Do you need a building permit in Palo Alto County, Iowa?

Palo Alto County requires a building permit only in limited cases (such as floodplains or specific zones), and it enforces county zoning. Onsite septic is permitted by Palo Alto County Environmental Health Department. Owner-builders may act as their own contractor to build their home. These answers are quoted from official sources and independently re-checked. Rules change and cities within the county differ — always confirm with the county before you buy or build.

How much does land cost in Palo Alto County, Iowa?

Land in Palo Alto County runs about $9,830 per acre, based on the latest county data.

What is the water situation in Palo Alto County?

Palo Alto County gets about 32.7" of rain a year, with severe drought in roughly 19.4% of years.

How remote is Palo Alto County?

A representative private-land location has about 5,166 people within a 30-minute drive and 486,832 within two hours. The road-network catchments count population across county lines and clusters of smaller cities; straight-line radius values remain available as a comparison.

Off-grid gear

Going off-grid in Palo Alto County means bringing your own water and power. The kit we’d start with:

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How Palo Alto compares in Iowa

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