Furnas County, Nebraska: commercial real estate data.
Furnas County, Nebraska had an estimated 4,468 residents on July 1, 2024, down 3.7 percent since the 2020 census base of 4,638, across 719 square miles. County output reached $300.4 m in 2024, 148 establishments operate here, and the SBA record carries 5 7(a) approvals worth $694,100 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Furnas County
How many people live in Furnas County
- Population, American Community Survey 2020-20244,568
- Households2,010
- Average household size2.27
- Median household income$61,048
- Median age47.3
- Median gross rent$763 per month
- Median owner-occupied home value$98,400
- Home value to household income1.6 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher24.9 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over3,235
- Population under 18991
- Share under 1821.7 percent
- Population 65 and over1,187
- Share 65 and over26.0 percent
- Working age population, 18 to 642,390
- Civilian labor force2,113
- Unemployment rate1.0 percent
- Labor force participation, adults 18 and over59.1 percent
- Rank by population among Nebraska counties57th of 93
- Rank by population among US county-equivalents, Puerto Rico included2930th of 3,222
Furnas County is the 57th largest of 93 Nebraska counties by population. A median home costs 1.6 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 26.0 percent against 21.7 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Furnas County
Is Furnas County's population growing?
- Population, July 1, 20244,468
- Census 2020 base population4,638
- Population change since the 2020 census base-3.67 percent
- Population change, 2023 to 2024-87
- Births, 202451
- Deaths, 202444
- Natural change, 20247
- Net domestic migration, 2024-100
- Net international migration, 20247
- Total net migration, 2024-93
- Cumulative net domestic migration, 2021 to 2024-155
- Rank by growth among US county-equivalents2847th of 3,144
The county has lost 3.67 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Furnas County
Where are people moving to Furnas County from?
- Tax returns filed by households arriving109
- People arriving, from those returns204
- Tax returns filed by households leaving105
- Net household movement4
- Adjusted gross income arriving$5.1 m
- Net adjusted gross income movement$968,000
- Average income of an arriving household$46,596
- Average income of a leaving household$39,152
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $7,444 more average income than households leaving, so the migration is raising local spending power rather than just moving it around.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Furnas County
What is the Furnas County economy?
- County GDP, 2024$300.4 m
- County GDP, 2023$376.2 m
- GDP change, 2023 to 2024-20.1 percent
- GDP change over five years11.9 percent
- Rank by GDP among the Nebraska areas BEA publishes61st of 93
- Rank by GDP among the US county areas BEA publishes2700th of 3,127
- GDP per resident$65,767
Output grew -20.1 percent in the latest year and 11.9 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.
Furnas County
Employment by industry in Furnas County
- Covered employment, annual average1,748
- Establishments reporting212
- Average annual pay$47,949
- Average weekly wage$922
- Health care and social assistance, employment256
- Health care and social assistance, average annual pay$47,919
- Retail trade, employment184
- Retail trade, average annual pay$24,325
- Manufacturing, employment118
- Manufacturing, average annual pay$52,442
- Information, employment73
- Information, average annual pay$63,888
- Wholesale trade, employment71
- Transportation and warehousing, employment64
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 256 | 15 | $47,919 |
| Retail trade | 184 | 23 | $24,325 |
| Manufacturing | 118 | 7 | $52,442 |
| Information | 73 | 4 | $63,888 |
| Wholesale trade | 71 | 12 | $68,568 |
| Transportation and warehousing | 64 | 14 | $55,099 |
| Construction | 50 | 8 | $64,838 |
| Professional, scientific and technical services | 49 | 12 | $62,324 |
Health care and social assistance is the largest private sector at 256 jobs, 14.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Furnas County
How many businesses are in Furnas County?
- Establishments, all industries148
- Employment at those establishments1,229
- Annual payroll$58.0 m
- Establishments per 1,000 residents32.4
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.
Furnas County
Building permits in Furnas County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Furnas County
SBA loans in Furnas County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$694,100
- Average 7(a) approval$138,820
- Median 7(a) approval$149,400
- Largest single approval$348,700
- Jobs reported supported, 7(a)18
- Jobs per approval3.6
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals4
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Furnas County
SBA loan default and charge-off rates in Furnas County
Do SBA loans in Furnas County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure3
- Status: Committed, not yet disbursed1
Only 1 loan has 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.
Furnas County
SBA lending by place in Furnas County
- Borrower cities with recorded lending2
- Arapahoe, approvals3
- Cambridge, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Arapahoe | 3 | $196,000 |
| Cambridge | 2 | $498,100 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Furnas County
How large is Furnas County?
- Land area719 sq mi
- Rank by land area among Nebraska counties34th of 93
- Width, east to west30.1 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land6
- Establishments per square mile0.21
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.
Furnas County
Flood risk in Furnas County
- Participation of the county's own NFIP community Furnas County, unincorporated areasParticipating, community 310436
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP6
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Furnas County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Furnas County (community 310436), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Furnas 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. 66.7 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 Furnas 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 Furnas County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20244,568
- Households2,010
- Average household size2.27
- Median household income$61,048
- Median age47.3
Common questions
Furnas County questions, answered from the record.
How many people live in Furnas County, Nebraska?
The Census Bureau estimates 4,468 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 4,568, in 2,010 households, ranking 57th of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Furnas County's population growing?
The population has fallen 3.67 percent since the 2020 census base of 4,638, to 4,468 on July 1, 2024. In 2024 there were 51 births against 44 deaths, with net migration of -93. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Furnas County?
$61,048. The median owner-occupied home is valued at $98,400, which is 1.6 times income, and median gross rent is $763 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Furnas County?
148 establishments, employing 1,229 people with an annual payroll of $58.0 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 Furnas County?
Health care and social assistance is the largest private sector at 256 jobs, 14.6 percent of covered employment. Covered employment averages 1,748 jobs at an average annual pay of $47,949, or $922 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Furnas County?
5 7(a) approvals totaling $694,100 since FY2020, across 3 lenders, with a median approval of $149,400. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Furnas County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Furnas 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 Furnas 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 Furnas 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.
Furnas County
Cities and places in Furnas.
8 Census places lie wholly or partly in Furnas County. All 8 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 |
|---|---|---|---|---|
| Cambridge | city | 1,082 | 2 | Wholly in this county |
| Arapahoe | city | 993 | 3 | Wholly in this county |
| Oxford | village | 652 | None recorded | 64.4 percent here, 35.6 percent Harlan County |
| Beaver City | city | 547 | None recorded | Wholly in this county |
| Holbrook | village | 273 | None recorded | Wholly in this county |
| Edison | village | 147 | None recorded | Wholly in this county |
| Wilsonville | village | 98 | None recorded | Wholly in this county |
| Hendley | village | 21 | None recorded | Wholly in this county |