HomeNebraskaHolt CountyO'Neill city
O'Neill city, Nebraska: commercial real estate data.
O'Neill city is a Census city of 3,570 people across 2.34 square miles of land, in Holt County. Median household income is $56,510, 67.3 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $1.7 m.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
O'Neill
What O'Neill is
- Census place typecity
- Land area2.34 sq mi
- Water area0 sq mi
- Population per square mile of land1,526
- County holding the largest share of its areaHolt 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.
O'Neill
How many people live in O'Neill
- Population3,570
- Median age41.9
- Population under 18891
- Share under 1825.0 percent
- Population 65 and over800
- Share 65 and over22.4 percent
- Households1,545
- Family households925
- Share of households that are families59.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
O'Neill
Income and work in O'Neill
- Median household income$56,510 plus or minus $17,733
- Per capita income$34,040
- Civilian labor force1,738
- Employed1,729
- Unemployed9 plus or minus 18
- Unemployment rate0.5 percent plus or minus 1.0
- Adults 25 and over2,481
- Adults 25 and over with a high school diploma or higher90.6 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent plus or minus 5.2
- Adults 25 and over with a graduate degree10.8 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
O'Neill
Housing in O'Neill
- Housing units1,656
- Occupied units1,545
- Vacant units111 plus or minus 77
- Vacancy rate6.7 percent plus or minus 4.6
- Owner occupied1,040
- Renter occupied505 plus or minus 125
- Ownership rate67.3 percent
- Median owner-occupied home value$153,300 plus or minus $38,839
- Median gross rent, monthly$697
- Annual rent as a share of median income14.8 percent plus or minus 4.7
- Single family units1,324
- Share single family80.0 percent
- Units in buildings of two or more258 plus or minus 111
- Share in buildings of two or more15.6 percent plus or minus 6.6
- Mobile homes74 plus or minus 64
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
O'Neill
How O'Neill gets to work
- Workers 16 and over who commute1,687
- Commuting under 15 minutes1,276
- Share commuting under 15 minutes75.6 percent
- Commuting 30 minutes or more181 plus or minus 89
- Share commuting 30 minutes or more10.7 percent plus or minus 5.1
- Drove alone81.3 percent
- Carpooled9.3 percent plus or minus 7.7
- Public transport0.0 percent
- Walked4.8 percent plus or minus 2.7
- Worked from home2.4 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
O'Neill
SBA loans in O'Neill (7(a))
- Approvals5
- Gross approval$1,657,900
- Average approval$331,580
- Median approval$250,000
- Ninetieth percentile approval$486,000
- Largest approval$486,000
- Jobs supported33
- Jobs per approval6.6
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Holt County, not O'Neill
Holt County context, not O'Neill figures
These are Holt County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as O'Neill measurements.
- Establishments in Holt County429
- Employment at those establishments, Holt County3,139
- Covered employment, Holt County4,403
- Average annual pay, Holt County$47,877
- Average weekly wage, Holt County$921
- Housing units permitted, Holt County10
- Of those, single family, Holt County10
- County product, 2024, Holt County$913,311,000
- County product change over the prior year, Holt County1.7 percent
- Average income of an arriving household, Holt County$48,223
Every figure in this section is published for Holt County as a whole and is not a measurement of O'Neill. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
O'Neill questions, answered from the record.
How many people live in O'Neill, Nebraska?
3,570, in 1,545 households. O'Neill city covers 2.34 square miles of land, which is 1,526 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is O'Neill in?
Holt 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 O'Neill?
$56,510. The median owner-occupied home is valued at $153,300. Median gross rent is $697 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to O'Neill businesses?
5 7(a) approvals totalling $1.7 m, across 2 lenders, median approval $250,000. These count approvals to borrowers whose address is in O'Neill, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to O'Neill borrowers get paid back?
No rate is published for O'Neill. only 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page O'Neill figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Holt 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 O'Neill.
Is zoning published for O'Neill?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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