The 2004 Northern Iowa Panthers football team represented the University of Northern Iowa as a member of the Gateway Football Conference during the 2004 NCAA Division I-AA football season.
Led by fourth-year head coach Mark Farley, the Panthers compiled an overall record of 7–4 with a mark of 5–2 record in conference play, placing third in the Gateway.
[1] Northern Iowa played home games at the UNI-Dome in Cedar Falls, Iowa.
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