Cedar County, Nebraska: commercial real estate data.
Cedar County, Nebraska had an estimated 8,262 residents on July 1, 2024, down 1.4 percent since the 2020 census base of 8,378, across 740 square miles. County output reached $562.2 m in 2024, 288 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cedar County
How many people live in Cedar County
- Population, American Community Survey 2020-20248,315
- Households3,444
- Average household size2.41
- Median household income$73,578
- Median age41.9
- Median gross rent$716 per month
- Median owner-occupied home value$185,000
- Home value to household income2.5 times
- Annual rent as a share of median income11.7 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over5,566
- Population under 182,122
- Share under 1825.5 percent
- Population 65 and over1,857
- Share 65 and over22.3 percent
- Working age population, 18 to 644,336
- Civilian labor force4,384
- Unemployment rate1.7 percent
- Labor force participation, adults 18 and over70.8 percent
- Rank by population among Nebraska counties34th of 93
- Rank by population among US county-equivalents, Puerto Rico included2627th of 3,222
Cedar County is the 34th largest of 93 Nebraska counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.5 percent against 22.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cedar County
Is Cedar County's population growing?
- Population, July 1, 20248,262
- Census 2020 base population8,378
- Population change since the 2020 census base-1.38 percent
- Population change, 2023 to 202418
- Births, 202462
- Deaths, 2024112
- Natural change, 2024-50
- Net domestic migration, 202467
- Net international migration, 20242
- Total net migration, 202469
- Cumulative net domestic migration, 2021 to 2024-35
- Rank by growth among US county-equivalents2322nd of 3,144
The county has lost 1.38 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cedar County
Where are people moving to Cedar County from?
- Tax returns filed by households arriving168
- People arriving, from those returns309
- Tax returns filed by households leaving163
- Net household movement5
- Adjusted gross income arriving$8.3 m
- Net adjusted gross income movement$102,000
- Average income of an arriving household$49,286
- Average income of a leaving household$50,172
- Largest single destinationYankton County (26 households)
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $886 less average income than households leaving, which drains spending power even where headcount holds up.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cedar County
What is the Cedar County economy?
- County GDP, 2024$562.2 m
- County GDP, 2023$619.3 m
- GDP change, 2023 to 2024-9.2 percent
- GDP change over five years23.7 percent
- Rank by GDP among the Nebraska areas BEA publishes40th of 93
- Rank by GDP among the US county areas BEA publishes2328th of 3,127
- GDP per resident$67,614
Output grew -9.2 percent in the latest year and 23.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cedar County
Employment by industry in Cedar County
- Covered employment, annual average2,789
- Establishments reporting342
- Average annual pay$44,563
- Average weekly wage$857
- Retail trade, employment332
- Retail trade, average annual pay$25,048
- Wholesale trade, employment219
- Wholesale trade, average annual pay$67,272
- Manufacturing, employment184
- Manufacturing, average annual pay$53,354
- Construction, employment183
- Construction, average annual pay$53,762
- Finance and insurance, employment141
- Accommodation and food services, employment107
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 332 | 41 | $25,048 |
| Wholesale trade | 219 | 30 | $67,272 |
| Manufacturing | 184 | 11 | $53,354 |
| Construction | 183 | 40 | $53,762 |
| Finance and insurance | 141 | 24 | $63,267 |
| Accommodation and food services | 107 | 16 | $11,504 |
| Other services, except public administration | 78 | 19 | $43,837 |
| Professional, scientific and technical services | 69 | 10 | $47,136 |
Retail trade is the largest private sector at 332 jobs, 11.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cedar County
How many businesses are in Cedar County?
- Establishments, all industries288
- Employment at those establishments1,873
- Annual payroll$77.8 m
- Establishments per 1,000 residents34.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Cedar County
Building permits in Cedar County
- Housing units authorized by permit, 202411
- Declared construction value permitted$3.9 m
- Single family units authorized11
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$356,243
- Units authorized per 1,000 households3.2
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cedar County
SBA loans in Cedar County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.5 m
- Average 7(a) approval$295,100
- Median 7(a) approval$350,000
- Largest single approval$438,500
- Jobs reported supported, 7(a)26
- Jobs per approval5.2
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter3
- Franchise loans1
- Franchise share of approvals20.0 percent
- Most active lenderSecurity Bank (4)
- 504 approvals recorded3
- 504 gross approval dollars$854,000
- Average 504 approval$284,667
- Median 504 approval$108,000
- Distinct CDCs active2
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.3 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cedar County
SBA loan default and charge-off rates in Cedar County
Do SBA loans in Cedar County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure5
Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar County
SBA lending by place in Cedar County
- Borrower cities with recorded lending3
- Laurel, approvals2
- Hartington, approvals2
- Fordyce, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Laurel | 2 | $600,000 |
| Hartington | 2 | $525,500 |
| Fordyce | 1 | $350,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar County
How large is Cedar County?
- Land area740 sq mi
- Rank by land area among Nebraska counties31st of 93
- Width, east to west23.9 mi
- Height, north to south35.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land11
- Establishments per square mile0.39
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Cedar County
Flood risk in Cedar County
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Cedar County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Cedar County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Cedar County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cedar County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20248,315
- Households3,444
- Average household size2.41
- Median household income$73,578
- Median age41.9
Common questions
Cedar County questions, answered from the record.
How many people live in Cedar County, Nebraska?
The Census Bureau estimates 8,262 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 8,315, in 3,444 households, ranking 34th of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cedar County's population growing?
The population has fallen 1.38 percent since the 2020 census base of 8,378, to 8,262 on July 1, 2024. In 2024 there were 62 births against 112 deaths, with net migration of 69. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cedar County?
$73,578. The median owner-occupied home is valued at $185,000, which is 2.5 times income, and median gross rent is $716 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cedar County?
288 establishments, employing 1,873 people with an annual payroll of $77.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Cedar County?
Retail trade is the largest private sector at 332 jobs, 11.9 percent of covered employment. Covered employment averages 2,789 jobs at an average annual pay of $44,563, or $857 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cedar County?
5 7(a) approvals totaling $1.5 m since FY2020, across 2 lenders, with a median approval of $350,000, plus 3 504 approvals worth $854,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cedar County?
11 housing units were authorized by permit in 2024, with a declared construction value of $3.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cedar County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Are traffic counts available for Cedar County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cedar County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Cedar County
Cities and places in Cedar.
12 Census places lie wholly or partly in Cedar County. All 12 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Hartington | city | 1,621 | 2 | Wholly in this county |
| Laurel | city | 1,018 | 2 | Wholly in this county |
| Randolph | city | 877 | None recorded | 96.4 percent here, 3.6 percent Pierce County |
| Coleridge | village | 553 | None recorded | Wholly in this county |
| Wynot | village | 209 | None recorded | Wholly in this county |
| Fordyce | village | 195 | 1 | Wholly in this county |
| Aten | CDP | 136 | None recorded | Wholly in this county |
| Bow Valley | CDP | 106 | None recorded | Wholly in this county |
| Belden | village | 101 | None recorded | Wholly in this county |
| St. Helena | village | 97 | None recorded | Wholly in this county |
| Magnet | village | 61 | None recorded | Wholly in this county |
| Obert | village | 16 | None recorded | Wholly in this county |