HomeNebraskaClay CountyHarvard
Harvard, Nebraska: commercial real estate data.
Harvard is a Census city of 1,008 people across 0.64 square miles of land, in Clay County. Median household income is $66,000, 74.4 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $45,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harvard
What Harvard is
- Census place typecity
- Land area0.64 sq mi
- Water area0 sq mi
- Population per square mile of land1,564
- 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.
Harvard
How many people live in Harvard
- Population1,008
- Median age36.0
- Population under 18257 plus or minus 55
- Share under 1825.5 percent
- Population 65 and over178 plus or minus 46
- Share 65 and over17.7 percent plus or minus 3.8
- Households414
- Family households277
- Share of households that are families66.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harvard
Income and work in Harvard
- Median household income$66,000
- Per capita income$31,678
- Civilian labor force524
- Employed508
- Unemployed16 plus or minus 10
- Unemployment rate3.1 percent plus or minus 1.8
- Adults 25 and over647
- Adults 25 and over with a high school diploma or higher86.1 percent plus or minus 18.1
- Adults 25 and over with a bachelor degree or higher13.1 percent plus or minus 4.4
- Adults 25 and over with a graduate degree6.5 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harvard
Housing in Harvard
- Housing units449
- Occupied units414
- Vacant units35 plus or minus 24
- Vacancy rate7.8 percent plus or minus 5.2
- Owner occupied308
- Renter occupied106 plus or minus 35
- Ownership rate74.4 percent
- Median owner-occupied home value$102,100
- Median gross rent, monthly$708 plus or minus $188
- Annual rent as a share of median income12.9 percent plus or minus 4.2
- Single family units342
- Share single family76.2 percent
- Units in buildings of two or more87 plus or minus 35
- Share in buildings of two or more19.4 percent plus or minus 7.2
- Mobile homes20 plus or minus 13
- Median year structure built1956
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harvard
How Harvard gets to work
- Workers 16 and over who commute498
- Commuting under 15 minutes159 plus or minus 46
- Share commuting under 15 minutes31.9 percent plus or minus 6.9
- Commuting 30 minutes or more178 plus or minus 50
- Share commuting 30 minutes or more35.7 percent plus or minus 7.4
- Drove alone80.6 percent
- Carpooled9.6 percent plus or minus 5.0
- Public transport0.0 percent
- Walked6.8 percent plus or minus 4.3
- Worked from home2.5 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harvard
SBA loans in Harvard (7(a))
- Approvals1
- Gross approval$45,000
- Average approval$45,000
- Median approval$45,000
- Largest approval$45,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term36 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 Harvard, in any county, FY2020 to FY2026. Only 0 loans have 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.
Harvard
Flood risk in Harvard
- NFIP communityCity of Harvard
- NFIP community number310043
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Harvard participates in the National Flood Insurance Program as community 310043 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 Harvard
Clay County context, not Harvard 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 Harvard.
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
Harvard questions, answered from the record.
How many people live in Harvard, Nebraska?
1,008, in 414 households. Harvard city covers 0.64 square miles of land, which is 1,564 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harvard 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 Harvard?
$66,000. The median owner-occupied home is valued at $102,100. Median gross rent is $708 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harvard businesses?
1 7(a) approvals totaling $45,000 since FY2020, across 1 lenders, median approval $45,000. These count approvals to borrowers whose address is in Harvard, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harvard borrowers get paid back?
No rate is published for Harvard. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Harvard in the National Flood Insurance Program?
Yes. Harvard appears in the FEMA Community Status Book as Harvard, city of, community 310043, 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 Harvard 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 Harvard.
Is zoning published for Harvard?
No. Nothing on this page presents parcel level zoning.
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