Valley County, Nebraska: commercial real estate data.
Valley County, Nebraska had an estimated 4,032 residents on July 1, 2024, down 0.6 percent since the 2020 census base of 4,058, across 568 square miles. County output reached $385.3 m in 2024, 181 establishments operate here, and the SBA record carries 2 7(a) approvals worth $152,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Valley County
How many people live in Valley County
- Population, American Community Survey 2020-20244,066
- Households1,796
- Average household size2.26
- Median household income$61,852
- Median age46.1
- Median gross rent$626 per month
- Median owner-occupied home value$154,600
- Home value to household income2.5 times
- Annual rent as a share of median income12.1 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over2,918
- Population under 18894
- Share under 1822.0 percent
- Population 65 and over1,050
- Share 65 and over25.8 percent
- Working age population, 18 to 642,122
- Civilian labor force2,120
- Unemployment rate0.2 percent
- Labor force participation, adults 18 and over66.8 percent
- Rank by population among Nebraska counties60th of 93
- Rank by population among US county-equivalents, Puerto Rico included2957th of 3,222
Valley County is the 60th largest of 93 Nebraska counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 25.8 percent against 22.0 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.
Valley County
Is Valley County's population growing?
- Population, July 1, 20244,032
- Census 2020 base population4,058
- Population change since the 2020 census base-0.64 percent
- Population change, 2023 to 20243
- Births, 202448
- Deaths, 202450
- Natural change, 2024-2
- Net domestic migration, 20245
- Net international migration, 20241
- Total net migration, 20246
- Cumulative net domestic migration, 2021 to 2024-17
- Rank by growth among US county-equivalents2069th of 3,144
The county has lost 0.64 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Valley County
Where are people moving to Valley County from?
- Tax returns filed by households arriving77
- People arriving, from those returns143
- Tax returns filed by households leaving80
- Net household movement-3
- Adjusted gross income arriving$5.0 m
- Net adjusted gross income movement$1.4 m
- Average income of an arriving household$64,649
- Average income of a leaving household$44,963
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $19,686 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.
Valley County
What is the Valley County economy?
- County GDP, 2024$385.3 m
- County GDP, 2023$400.6 m
- GDP change, 2023 to 2024-3.8 percent
- GDP change over five years26.0 percent
- Rank by GDP among the Nebraska areas BEA publishes58th of 93
- Rank by GDP among the US county areas BEA publishes2572nd of 3,127
- GDP per resident$94,767
Output grew -3.8 percent in the latest year and 26.0 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.
Valley County
Employment by industry in Valley County
- Covered employment, annual average1,754
- Establishments reporting232
- Average annual pay$45,900
- Average weekly wage$883
- Retail trade, employment249
- Retail trade, average annual pay$27,343
- Wholesale trade, employment139
- Wholesale trade, average annual pay$68,693
- Manufacturing, employment105
- Manufacturing, average annual pay$39,896
- Construction, employment99
- Construction, average annual pay$47,578
- Other services, except public administration, employment45
- Information, employment15
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 249 | 25 | $27,343 |
| Wholesale trade | 139 | 10 | $68,693 |
| Manufacturing | 105 | 7 | $39,896 |
| Construction | 99 | 30 | $47,578 |
| Other services, except public administration | 45 | 15 | $27,048 |
| Information | 15 | 3 | $38,992 |
Retail trade is the largest private sector at 249 jobs, 14.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Valley County
How many businesses are in Valley County?
- Establishments, all industries181
- Employment at those establishments1,230
- Annual payroll$53.8 m
- Establishments per 1,000 residents44.5
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.
Valley County
Building permits in Valley County
- Housing units authorized by permit, 20243
- Declared construction value permitted$653,500
- Single family units authorized3
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$217,833
- Units authorized per 1,000 households1.7
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.
Valley County
SBA loans in Valley County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$152,000
- Average 7(a) approval$76,000
- Median 7(a) approval$76,000
- Largest single approval$117,000
- Jobs reported supported, 7(a)10
- Jobs per approval5.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$105,000
- Average 504 approval$105,000
- Median 504 approval$105,000
- Distinct CDCs active1
- 504 jobs per approval3.0
- 504 jobs per million dollars approved28.6
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$257,000
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.
Valley County
SBA loan default and charge-off rates in Valley County
Do SBA loans in Valley County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
Only 0 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.
Valley County
How large is Valley County?
- Land area568 sq mi
- Rank by land area among Nebraska counties64th of 93
- Width, east to west23.8 mi
- Height, north to south23.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land7
- Establishments per square mile0.32
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.
Valley County
Flood risk in Valley County
- Participation of the county's own NFIP community Valley County, unincorporated areasParticipating, community 310482
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Valley County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Valley County (community 310482), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Valley County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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 Valley 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 Valley County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20244,066
- Households1,796
- Average household size2.26
- Median household income$61,852
- Median age46.1
Common questions
Valley County questions, answered from the record.
How many people live in Valley County, Nebraska?
The Census Bureau estimates 4,032 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 4,066, in 1,796 households, ranking 60th of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Valley County's population growing?
The population has fallen 0.64 percent since the 2020 census base of 4,058, to 4,032 on July 1, 2024. In 2024 there were 48 births against 50 deaths, with net migration of 6. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Valley County?
$61,852. The median owner-occupied home is valued at $154,600, which is 2.5 times income, and median gross rent is $626 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Valley County?
181 establishments, employing 1,230 people with an annual payroll of $53.8 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 Valley County?
Retail trade is the largest private sector at 249 jobs, 14.2 percent of covered employment. Covered employment averages 1,754 jobs at an average annual pay of $45,900, or $883 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Valley County?
2 7(a) approvals totaling $152,000 since FY2020, across 2 lenders, with a median approval of $76,000, plus 1 504 approvals worth $105,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Valley County?
3 housing units were authorized by permit in 2024, with a declared construction value of $653,500. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Valley County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Valley 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 Valley 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.
Valley County
Cities and places in Valley.
4 Census places lie wholly or partly in Valley County. All 4 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 |
|---|---|---|---|---|
| Ord | city | 2,100 | None recorded | Wholly in this county |
| Arcadia | village | 308 | 2 | Wholly in this county |
| North Loup | village | 238 | None recorded | Wholly in this county |
| Elyria | village | 43 | None recorded | Wholly in this county |
Nearby