Holt County, Nebraska: commercial real estate data.
Holt County, Nebraska had an estimated 10,120 residents on July 1, 2024, down 0.1 percent since the 2020 census base of 10,128, across 2,412 square miles. County output reached $913.3 m in 2024, 429 establishments operate here, and the SBA record carries 14 7(a) approvals worth $5.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Holt County
How many people live in Holt County
- Population, American Community Survey 2020-202410,102
- Households4,050
- Average household size2.49
- Median household income$68,513
- Median age41.6
- Median gross rent$714 per month
- Median owner-occupied home value$165,100
- Home value to household income2.4 times
- Annual rent as a share of median income12.5 percent
- Adults 25 and over with a bachelor degree or higher29.1 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over6,847
- Population under 182,603
- Share under 1825.8 percent
- Population 65 and over2,312
- Share 65 and over22.9 percent
- Working age population, 18 to 645,187
- Civilian labor force5,033
- Unemployment rate0.9 percent
- Labor force participation, adults 18 and over67.1 percent
- Rank by population among Nebraska counties26th of 93
- Rank by population among US county-equivalents, Puerto Rico included2474th of 3,222
Holt County is the 26th largest of 93 Nebraska counties by population. A median home costs 2.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.8 percent against 22.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Holt County
Is Holt County's population growing?
- Population, July 1, 202410,120
- Census 2020 base population10,128
- Population change since the 2020 census base-0.08 percent
- Population change, 2023 to 2024-32
- Births, 2024142
- Deaths, 2024120
- Natural change, 202422
- Net domestic migration, 2024-79
- Net international migration, 202426
- Total net migration, 2024-53
- Cumulative net domestic migration, 2021 to 2024-129
- Rank by growth among US county-equivalents1869th of 3,144
The county has lost 0.08 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.
Holt County
Where are people moving to Holt County from?
- Tax returns filed by households arriving188
- People arriving, from those returns350
- Tax returns filed by households leaving206
- Net household movement-18
- Adjusted gross income arriving$9.1 m
- Net adjusted gross income movement$274,000
- Average income of an arriving household$48,223
- Average income of a leaving household$42,680
- Largest single destinationLancaster County (21 households)
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $5,543 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.
Holt County
What is the Holt County economy?
- County GDP, 2024$913.3 m
- County GDP, 2023$898.0 m
- GDP change, 2023 to 20241.7 percent
- GDP change over five years29.7 percent
- Rank by GDP among the Nebraska areas BEA publishes27th of 93
- Rank by GDP among the US county areas BEA publishes1908th of 3,127
- GDP per resident$90,409
Output grew 1.7 percent in the latest year and 29.7 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.
Holt County
Employment by industry in Holt County
- Covered employment, annual average4,403
- Establishments reporting516
- Average annual pay$47,877
- Average weekly wage$921
- Retail trade, employment547
- Retail trade, average annual pay$28,141
- Agriculture, forestry, fishing and hunting, employment397
- Agriculture, forestry, fishing and hunting, average annual pay$53,632
- Wholesale trade, employment382
- Wholesale trade, average annual pay$58,729
- Accommodation and food services, employment289
- Accommodation and food services, average annual pay$17,132
- Construction, employment191
- Finance and insurance, employment187
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 547 | 65 | $28,141 |
| Agriculture, forestry, fishing and hunting | 397 | 59 | $53,632 |
| Wholesale trade | 382 | 38 | $58,729 |
| Accommodation and food services | 289 | 28 | $17,132 |
| Construction | 191 | 32 | $57,681 |
| Finance and insurance | 187 | 31 | $68,121 |
| Manufacturing | 135 | 16 | $63,501 |
| Professional, scientific and technical services | 116 | 27 | $48,731 |
Retail trade is the largest private sector at 547 jobs, 12.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Holt County
How many businesses are in Holt County?
- Establishments, all industries429
- Employment at those establishments3,139
- Annual payroll$142.3 m
- Establishments per 1,000 residents42.5
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.
Holt County
Building permits in Holt County
- Housing units authorized by permit, 202410
- Declared construction value permitted$3.6 m
- Single family units authorized10
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$360,195
- Units authorized per 1,000 households2.5
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.
Holt County
SBA loans in Holt County (7(a) and 504)
- 7(a) approvals recorded14
- 7(a) gross approval dollars$5.2 m
- Average 7(a) approval$372,079
- Median 7(a) approval$217,950
- Largest single approval$1,975,000
- Jobs reported supported, 7(a)80
- Jobs per approval5.7
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.4 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter9
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBeef Cattle Ranching and Farming (4)
- Most active lenderNebraska Bank (7)
- 504 approvals recorded3
- 504 gross approval dollars$816,000
- Average 504 approval$272,000
- Median 504 approval$344,000
- Distinct CDCs active1
- 504 jobs per approval1.7
- 504 jobs per million dollars approved6.1
- Most active CDCNebraska Economic Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$6.0 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.
Holt County
SBA loan default and charge-off rates in Holt County
Do SBA loans in Holt County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure2
- Status: Paid in full6
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Only 6 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.
Holt County
SBA lending by place in Holt County
- Borrower cities with recorded lending3
- Stuart, approvals7
- O'Neill, approvals5
- Atkinson, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Stuart | 7 | $3,011,200 |
| O'Neill | 5 | $1,657,900 |
| Atkinson | 2 | $540,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Holt County
How large is Holt County?
- Land area2,412 sq mi
- Rank by land area among Nebraska counties5th of 93
- Width, east to west48.8 mi
- Height, north to south55.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land4
- Establishments per square mile0.18
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.
Holt County
Flood risk in Holt 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 Holt County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Holt County in radon zone 3, a predicted average indoor radon screening level less than 2 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 Holt 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 Holt County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,102
- Households4,050
- Average household size2.49
- Median household income$68,513
- Median age41.6
Common questions
Holt County questions, answered from the record.
How many people live in Holt County, Nebraska?
The Census Bureau estimates 10,120 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,102, in 4,050 households, ranking 26th of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Holt County's population growing?
The population has fallen 0.08 percent since the 2020 census base of 10,128, to 10,120 on July 1, 2024. In 2024 there were 142 births against 120 deaths, with net migration of -53. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Holt County?
$68,513. The median owner-occupied home is valued at $165,100, which is 2.4 times income, and median gross rent is $714 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Holt County?
429 establishments, employing 3,139 people with an annual payroll of $142.3 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 Holt County?
Retail trade is the largest private sector at 547 jobs, 12.4 percent of covered employment. Covered employment averages 4,403 jobs at an average annual pay of $47,877, or $921 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Holt County?
14 7(a) approvals totaling $5.2 m since FY2020, across 3 lenders, with a median approval of $217,950, plus 3 504 approvals worth $816,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Holt County?
10 housing units were authorized by permit in 2024, with a declared construction value of $3.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Holt County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Are traffic counts available for Holt 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 Holt 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.
Holt County
Cities and places in Holt.
8 Census places lie wholly or partly in Holt 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 |
|---|---|---|---|---|
| O'Neill | city | 3,570 | 5 | Wholly in this county |
| Atkinson | city | 1,377 | 2 | Wholly in this county |
| Stuart | village | 628 | 7 | Wholly in this county |
| Chambers | village | 424 | None recorded | Wholly in this county |
| Ewing | village | 372 | None recorded | Wholly in this county |
| Inman | village | 153 | None recorded | Wholly in this county |
| Page | village | 120 | None recorded | Wholly in this county |
| Emmet | village | 20 | None recorded | Wholly in this county |
Nearby