| ZIP Code | 68944 |
|---|---|
| City | Harvard |
| State | Nebraska (NE) |
| County | Clay County |
| Area Code | 402/531 |
| Elevation | 1,798 ft |
| Latitude | 40.637829 |
|---|---|
| Longitude | -98.094112 |
| Timezone | Chicago (DST) |
| FIPS | 31035 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.9 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.31 |
| Below Poverty | 8.1% ▼ 20% below avg |
| College Grads | 31.3% ▼ 19% below avg |
| Unemployment | 0.7% ▼ 85% below avg |
| No HS Diploma | 25 (3.1%) |
| HS Graduate | 295 (36.5%) |
| Some College | 76 (9.4%) |
| Associates | 159 (19.7%) |
| Bachelors | 75 (9.3%) |
| Graduate Degree | 178 (22%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $70,833 ≈ Avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $123,900 ▼ 56% below avg ↑ 50% since 2019 |
| Home/Income Ratio | 1.7x (nat avg ~3.5x) |
| Median Rent | $737/mo ↑ 21% since 2019 |
| Total Units | 586 |
| Vacant Units | 66 |
| Avg HH Size | 2.31 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 586 |
|---|---|
| Vacant | 66 |
| Owner Occupied | 78.7% |
| Renter Occupied | 21.4% |
| Avg HH Size | 2.31 |
ZIP code 68944 is located in Harvard, Nebraska, within Clay County. With a population of 1,230, this is a sparsely populated ZIP code with a middle-aged community — the median age is 39.9 years. Economically, 68944 is a solidly middle-class ZIP code: the median household income of $70,833 is near the national average.
Real estate in ZIP code 68944 represents one of the more affordable housing markets in the country. The median home value of $123,900 is well below the national average. Renters can expect to pay around $737 per month in median rent. Homeownership is strong here — 78.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 50% since 2019.
The population of 68944 is primarily White (73.74%). Residents are moderately educated — 31.3% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 8.1%. Household income has grown by 16% since 2019.
The unemployment rate in 68944 stands at 0.7%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 87%.
Overall, ZIP code 68944 in Harvard, NE is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 1,230 residents, a median household income of $70,833, and a median home value of $123,900, it offers a clear picture of life in this part of Nebraska.