HomeNebraskaClay CountyClay Center
Clay Center, Nebraska: commercial real estate data.
Clay Center is a Census city of 802 people across 0.73 square miles of land, in Clay County. Median household income is $82,500, 85.7 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $67,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clay Center
What Clay Center is
- Census place typecity
- Land area0.73 sq mi
- Water area0 sq mi
- Population per square mile of land1,097
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay Center
How many people live in Clay Center
- Population802
- Median age38.1
- Population under 18184 plus or minus 46
- Share under 1822.9 percent
- Population 65 and over170 plus or minus 36
- Share 65 and over21.2 percent
- Households322
- Family households232
- Share of households that are families72.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay Center
Income and work in Clay Center
- Median household income$82,500 plus or minus $18,053
- Per capita income$38,073
- Civilian labor force420
- Employed415
- Unemployed5 plus or minus 5
- Unemployment rate1.2 percent plus or minus 1.2
- Adults 25 and over556
- Adults 25 and over with a high school diploma or higher94.1 percent
- Adults 25 and over with a bachelor degree or higher18.7 percent plus or minus 4.1
- Adults 25 and over with a graduate degree9.2 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay Center
Housing in Clay Center
- Housing units360
- Occupied units322
- Vacant units38 plus or minus 22
- Vacancy rate10.6 percent plus or minus 5.9
- Owner occupied276
- Renter occupied46 plus or minus 16
- Ownership rate85.7 percent
- Median owner-occupied home value$141,300
- Median gross rent, monthly$625
- Annual rent as a share of median income9.1 percent plus or minus 2.5
- Single family units330
- Share single family91.7 percent
- Units in buildings of two or more21 plus or minus 14
- Share in buildings of two or more5.8 percent plus or minus 3.9
- Mobile homes9 plus or minus 8
- Median year structure built1942
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay Center
How Clay Center gets to work
- Workers 16 and over who commute390
- Commuting under 15 minutes179 plus or minus 43
- Share commuting under 15 minutes45.9 percent
- Commuting 30 minutes or more105 plus or minus 29
- Share commuting 30 minutes or more26.9 percent plus or minus 5.9
- Drove alone89.2 percent
- Carpooled2.2 percent plus or minus 1.9
- Public transport0.0 percent
- Walked3.2 percent plus or minus 1.9
- Worked from home4.2 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay Center
SBA loans in Clay Center (7(a))
- Approvals1
- Gross approval$67,000
- Average approval$67,000
- Median approval$67,000
- Largest approval$67,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term60 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Clay Center, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clay Center
Flood risk in Clay Center
- NFIP communityCity of Clay Center
- NFIP community number310040
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/05/18(M)
The City of Clay Center participates in the National Flood Insurance Program as community 310040 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clay County, not Clay Center
Clay County context, not Clay Center figures
- Establishments in Clay County183
- Covered employment, Clay County2,077
- Average annual pay, Clay County$51,771
- Housing units permitted, Clay County10
Every figure in this section is published for Clay County as a whole and is not a measurement of Clay Center.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Clay Center questions, answered from the record.
How many people live in Clay Center, Nebraska?
802, in 322 households. Clay Center city covers 0.73 square miles of land, which is 1,097 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clay Center in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Clay Center?
$82,500. The median owner-occupied home is valued at $141,300. Median gross rent is $625 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clay Center businesses?
1 7(a) approvals totaling $67,000 since FY2020, across 1 lenders, median approval $67,000. These count approvals to borrowers whose address is in Clay Center, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clay Center borrowers get paid back?
No rate is published for Clay Center. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clay Center in the National Flood Insurance Program?
Yes. Clay Center appears in the FEMA Community Status Book as Clay Center, city of, community 310040, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clay Center figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clay Center.
Is zoning published for Clay Center?
No. Nothing on this page presents parcel level zoning.
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