Des Moines is a very prosperous, rapidly growing, metropolitan area. Many insurance companies are headquartered in Des Moines, including the Principal Financial Group, Equitable of Iowa, Allied Insurance (Nationwide), ARAG Legal Insurance, and American Republic Insurance Company. Long known as the "Hartford of the West," Des Moines is the world's 3rd largest insurance center behind London and Hartford. As a center of financial and insurance services, other major corporations headquartered outside of Iowa have established a presence in the Des Moines Metro area, including, Wells Fargo, ING Group, and Electronic Data Systems. As a result, greater Des Moines seems well poised for continued growth in the 21st Century. Forbes Magazine ranked Des Moines as the 4th best city to start a business, behind, Oklahoma City, Boston, and Seattle.

As of the census of 2000, there were 198,682 people, 80,504 households, and 48,704 families residing in the city. The population density was 1,012.0/km² (2,621.3/mi²). There were 85,067 housing units at an average density of 433.3/km² (1,122.3/mi²). The racial makeup of the city was 82.29% White, 8.07% Black or African American, 0.35% Native American, 3.50% Asian, 0.05% Pacific Islander, 3.52% from other races, and 2.23% from two or more races. 6.61% of the population were Hispanic or Latino of any race.

There were 80,504 households out of which 29.5% had children under the age of 18 living with them, 43.7% were married couples living together, 12.6% had a female householder with no husband present, and 39.5% were non-families. 31.9% of all households were made up of individuals and 10.2% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 3.04.

In the city the population was spread out with 24.8% under the age of 18, 10.6% from 18 to 24, 31.8% from 25 to 44, 20.4% from 45 to 64, and 12.4% who were 65 years of age or older. The median age was 34 years. For every 100 females there were 93.8 males. For every 100 females age 18 and over, there were 90.5 males.

The median income for a household in the city was $38,408, and the median income for a family was $46,590. Males had a median income of $31,712 versus $25,832 for females. The per capita income for the city was $19,467. About 7.9% of families and 11.4% of the population were below the poverty line, including 14.9% of those under age 18 and 7.6% of those ages 65 or over.

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