HomeNebraskaMerrick CountyCentral City
Central City, Nebraska: commercial real estate data.
Central City is a Census city of 3,061 people across 2.44 square miles of land, in Merrick County. Median household income is $73,229, 73.9 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $1.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Central City
What Central City is
- Census place typecity
- Land area2.44 sq mi
- Water area0 sq mi
- Population per square mile of land1,257
- County holding the largest share of its areaMerrick 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.
Central City
How many people live in Central City
- Population3,061
- Median age39.9
- Population under 18680
- Share under 1822.2 percent
- Population 65 and over641 plus or minus 132
- Share 65 and over20.9 percent plus or minus 4.3
- Households1,284
- Family households779
- Share of households that are families60.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
Income and work in Central City
- Median household income$73,229
- Per capita income$41,108 plus or minus $9,701
- Civilian labor force1,617
- Employed1,617
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over2,145
- Adults 25 and over with a high school diploma or higher90.3 percent
- Adults 25 and over with a bachelor degree or higher20.0 percent plus or minus 5.7
- Adults 25 and over with a graduate degree11.0 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
Housing in Central City
- Housing units1,374
- Occupied units1,284
- Vacant units90 plus or minus 69
- Vacancy rate6.6 percent plus or minus 5.0
- Owner occupied949
- Renter occupied335 plus or minus 92
- Ownership rate73.9 percent
- Median owner-occupied home value$165,300
- Median gross rent, monthly$677
- Annual rent as a share of median income11.1 percent plus or minus 2.5
- Single family units1,108
- Share single family80.6 percent
- Units in buildings of two or more230 plus or minus 96
- Share in buildings of two or more16.7 percent plus or minus 6.9
- Mobile homes36 plus or minus 46
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
How Central City gets to work
- Workers 16 and over who commute1,417
- Commuting under 15 minutes803 plus or minus 172
- Share commuting under 15 minutes56.7 percent
- Commuting 30 minutes or more350 plus or minus 119
- Share commuting 30 minutes or more24.7 percent plus or minus 7.8
- Drove alone81.1 percent
- Carpooled8.0 percent plus or minus 4.6
- Public transport0.0 percent
- Walked5.5 percent plus or minus 4.5
- Worked from home5.4 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
SBA loans in Central City (7(a))
- Approvals2
- Gross approval$1,135,000
- Average approval$567,500
- Median approval$567,500
- Largest approval$720,000
- Jobs supported18
- Jobs per approval9.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term192 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises50.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Central City, 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.
Central City
SBA loans in Central City (504)
- Approvals3
- Gross approval$1,964,000
- Average approval$654,667
- Median approval$156,000
- Largest approval$1,748,000
- Jobs supported15
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Central City, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Central City
Flood risk in Central City
- NFIP communityCity of Central City
- NFIP community number310148
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/06/10
The City of Central City participates in the National Flood Insurance Program as community 310148 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.
Merrick County, not Central City
Merrick County context, not Central City figures
- Establishments in Merrick County249
- Covered employment, Merrick County2,451
- Average annual pay, Merrick County$57,455
- Housing units permitted, Merrick County44
Every figure in this section is published for Merrick County as a whole and is not a measurement of Central City.
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
Central City questions, answered from the record.
How many people live in Central City, Nebraska?
3,061, in 1,284 households. Central City city covers 2.44 square miles of land, which is 1,257 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Central City in?
Merrick 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 Central City?
$73,229. The median owner-occupied home is valued at $165,300. Median gross rent is $677 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Central City businesses?
2 7(a) approvals totaling $1.1 m since FY2020, across 2 lenders, median approval $567,500, plus 3 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Central City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Central City borrowers get paid back?
No rate is published for Central City. 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 Central City in the National Flood Insurance Program?
Yes. Central City appears in the FEMA Community Status Book as Central City, city of, community 310148, 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 Central City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Merrick 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 Central City.
Is zoning published for Central City?
No. Nothing on this page presents parcel level zoning.
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