Sarpy County, Nebraska: commercial real estate data.
Sarpy County, Nebraska had an estimated 204,828 residents on July 1, 2024, up 7.5 percent since the 2020 census base of 190,603, across 239 square miles. County output reached $13.67 bn in 2024, 4,106 establishments operate here, and the SBA record carries 216 7(a) approvals worth $122.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sarpy County
How many people live in Sarpy County
- Population, American Community Survey 2020-2024197,389
- Households74,097
- Average household size2.66
- Median household income$103,321
- Median age35.7
- Median gross rent$1,334 per month
- Median owner-occupied home value$314,100
- Home value to household income3.0 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher42.6 percent
- Adults 25 and over with a graduate degree15.8 percent
- Adults 25 and over128,382
- Population under 1851,948
- Share under 1826.3 percent
- Population 65 and over25,339
- Share 65 and over12.8 percent
- Working age population, 18 to 64120,102
- Civilian labor force106,854
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over73.5 percent
- Rank by population among Nebraska counties3rd of 93
- Rank by population among US county-equivalents, Puerto Rico included352nd of 3,222
Sarpy County is the 3rd largest of 93 Nebraska counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 26.3 percent against 12.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sarpy County
Is Sarpy County's population growing?
- Population, July 1, 2024204,828
- Census 2020 base population190,603
- Population change since the 2020 census base7.46 percent
- Population change, 2023 to 20244,351
- Births, 20242,402
- Deaths, 20241,296
- Natural change, 20241,106
- Net domestic migration, 20242,348
- Net international migration, 2024899
- Total net migration, 20243,247
- Cumulative net domestic migration, 2021 to 20247,243
- Rank by growth among US county-equivalents280th of 3,144
The county has grown 7.46 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sarpy County
Where are people moving to Sarpy County from?
- Tax returns filed by households arriving8,197
- People arriving, from those returns15,513
- Tax returns filed by households leaving7,241
- Net household movement956
- Adjusted gross income arriving$586.0 m
- Net adjusted gross income movement$99.3 m
- Average income of an arriving household$71,487
- Average income of a leaving household$67,214
- Largest single originDouglas County (3,897 households)
- Largest single destinationDouglas County (3,259 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Douglas County | 3,897 | 7,266 | $281.6 m |
| Lancaster County | 311 | 463 | $17.9 m |
| Pottawattamie County | 216 | 365 | $11.2 m |
| Cass County | 189 | 349 | $11.0 m |
| Foreign - APO/FPO ZIPs | 124 | 313 | $8.9 m |
| Maricopa County | 69 | 141 | $4.4 m |
| El Paso County | 55 | 121 | $3.8 m |
| Monterey County | 53 | 84 | $2.5 m |
Households arriving report $4,273 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Douglas County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Sarpy County
What is the Sarpy County economy?
- County GDP, 2024$13.67 bn
- County GDP, 2023$12.94 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years37.5 percent
- Rank by GDP among the Nebraska areas BEA publishes3rd of 93
- Rank by GDP among the US county areas BEA publishes345th of 3,127
- GDP per resident$69,261
Output grew 5.7 percent in the latest year and 37.5 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.
Sarpy County
Employment by industry in Sarpy County
- Covered employment, annual average80,883
- Establishments reporting4,552
- Average annual pay$58,661
- Average weekly wage$1,128
- Retail trade, employment10,134
- Retail trade, average annual pay$37,535
- Transportation and warehousing, employment9,920
- Transportation and warehousing, average annual pay$55,188
- Construction, employment8,890
- Construction, average annual pay$72,489
- Accommodation and food services, employment7,780
- Accommodation and food services, average annual pay$22,964
- Health care and social assistance, employment7,403
- Professional, scientific and technical services, employment3,921
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 10,134 | 424 | $37,535 |
| Transportation and warehousing | 9,920 | 162 | $55,188 |
| Construction | 8,890 | 678 | $72,489 |
| Accommodation and food services | 7,780 | 363 | $22,964 |
| Health care and social assistance | 7,403 | 532 | $46,013 |
| Professional, scientific and technical services | 3,921 | 496 | $102,911 |
| Manufacturing | 3,897 | 109 | $67,955 |
| Finance and insurance | 2,930 | 222 | $96,251 |
Retail trade is the largest private sector at 10,134 jobs, 12.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sarpy County
How many businesses are in Sarpy County?
- Establishments, all industries4,106
- Employment at those establishments62,801
- Annual payroll$3.43 bn
- Establishments per 1,000 residents20.8
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.
Sarpy County
Building permits in Sarpy County
- Housing units authorized by permit, 20241,597
- Declared construction value permitted$367.0 m
- Single family units authorized1,198
- Multifamily units authorized399
- Multifamily share of units25.0 percent
- Average declared value per unit$229,806
- Units authorized per 1,000 households21.6
Single-family homes are 75.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sarpy County
SBA loans in Sarpy County (7(a) and 504)
- 7(a) approvals recorded216
- 7(a) gross approval dollars$122.6 m
- Average 7(a) approval$567,661
- Median 7(a) approval$242,850
- 10th percentile approval$33,500
- 90th percentile approval$1,576,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,054
- Jobs per approval14.1
- Distinct 7(a) lenders active47
- Distinct industries receiving approvals85
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.8 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter185
- Franchise loans33
- Franchise share of approvals15.3 percent
- Leading industry by approval countLandscaping Services (13)
- Most active lenderUnion Bank and Trust Company (21)
- 504 approvals recorded64
- 504 gross approval dollars$60.4 m
- Average 504 approval$943,172
- Median 504 approval$660,500
- Distinct CDCs active5
- 504 jobs per approval16.8
- 504 jobs per million dollars approved17.8
- Most active CDCNebraska Economic Development Corporation (58)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$183.0 m
The average approval of $567,661 sits well above the median of $242,850, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 8.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Sarpy County
SBA loan default and charge-off rates in Sarpy County
Do SBA loans in Sarpy County get paid back?
- Loans with a final outcome recorded46
- Paid in full42
- Charged off4
- Charge-off rate on resolved loans8.7 percent
- Status: Paid in full42
- Status: Cancelled18
- Status: Exempt from disclosure143
- Status: Charged off4
- Status: Committed, not yet disbursed9
Of the 46 loans that have reached a final outcome, 8.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Sarpy County
SBA lending by place in Sarpy County
- Borrower cities with recorded lending7
- Papillion, approvals62
- Bellevue, approvals50
- Omaha, approvals38
- La Vista, approvals33
- Gretna, approvals27
- Springfield, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Papillion | 62 | $25,870,300 |
| Bellevue | 50 | $24,196,400 |
| Omaha | 38 | $31,717,600 |
| La Vista | 33 | $24,264,600 |
| Gretna | 27 | $11,085,100 |
| Springfield | 5 | $5,430,700 |
| Harlan | 1 | $50,000 |
Papillion accounts for 62 approvals against 50 in Bellevue. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sarpy County
How large is Sarpy County?
- Land area239 sq mi
- Rank by land area among Nebraska counties93rd of 93
- Width, east to west24.7 mi
- Height, north to south13.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land826
- Establishments per square mile17.18
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.
Sarpy County
Flood risk in Sarpy County
- Participation of the county's own NFIP community Sarpy County, unincorporated areasParticipating, community 310190
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Sarpy 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 Sarpy County (community 310190), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Sarpy 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. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 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 Sarpy 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 Sarpy County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024197,389
- Households74,097
- Average household size2.66
- Median household income$103,321
- Median age35.7
Common questions
Sarpy County questions, answered from the record.
How many people live in Sarpy County, Nebraska?
The Census Bureau estimates 204,828 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 197,389, in 74,097 households, ranking 3rd of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sarpy County's population growing?
The population has grown 7.46 percent since the 2020 census base of 190,603, to 204,828 on July 1, 2024. In 2024 there were 2,402 births against 1,296 deaths, with net migration of 3,247. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sarpy County?
$103,321. The median owner-occupied home is valued at $314,100, which is 3.0 times income, and median gross rent is $1,334 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sarpy County?
4,106 establishments, employing 62,801 people with an annual payroll of $3.43 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sarpy County?
Retail trade is the largest private sector at 10,134 jobs, 12.5 percent of covered employment. Covered employment averages 80,883 jobs at an average annual pay of $58,661, or $1,128 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sarpy County?
216 7(a) approvals totaling $122.6 m since FY2020, across 47 lenders, with a median approval of $242,850, plus 64 504 approvals worth $60.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sarpy County get paid back?
Of the 46 loans that have reached a final outcome, 42 were paid in full and 4 charged off, a charge-off rate of 8.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Sarpy County?
1,597 housing units were authorized by permit in 2024, with a declared construction value of $367.0 m. Multifamily was 25.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sarpy 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.
Where do people moving to Sarpy County come from?
The largest single origin is Douglas County, with 3,897 households. Arriving households report an average income of $71,487 against $67,214 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sarpy 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 Sarpy 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.
Sarpy County
Cities and places in Sarpy.
12 Census places lie wholly or partly in Sarpy County. 11 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Bellevue | city | 64,510 | 50 | Wholly in this county |
| Papillion | city | 25,244 | 62 | Wholly in this county |
| La Vista | city | 16,563 | 33 | Wholly in this county |
| Chalco | CDP | 10,595 | None recorded | Wholly in this county |
| Gretna | city | 9,193 | 27 | Wholly in this county |
| Offutt AFB | CDP | 6,074 | None recorded | Wholly in this county |
| Springfield | city | 1,595 | 5 | Wholly in this county |
| Linoma Beach | CDP | 99 | None recorded | Wholly in this county |
| Richfield | CDP | 47 | None recorded | Wholly in this county |
| Beacon View | CDP | 36 | None recorded | Wholly in this county |
| Melia | CDP | 22 | None recorded | Wholly in this county |
| La Platte | CDP | 0 | None recorded | Wholly in this county |
A further 39 of the county's 216 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sarpy County, the largest being Omaha (38), Harlan (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby