PlainZIP

Harvard, NE · standard

ZIP Code 68944

Clay County, Nebraska - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,323
5/sq mi
$69,432
Median income
$125,800
Median home value
18.2%
Bachelor's or higher

The verdict

Harvard pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

46th pct
household income, US ZIPs
19th pct
home value, US ZIPs
5
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 68944 against every reporting US ZIP.

ZIP code 68944 is a sparsely populated ZIP (a standard USPS delivery area) in Harvard, Clay County, Nebraska, home to just 1,323 residents across 270.0 square miles, a density of 5 people per square mile, in the Chicago time zone.

ZIP 68944 reports a modest median household income of $69,432 (9% below the Nebraska average), while per-capita income is $36,130. Poverty here runs at 6.6%, with unemployment measured at 2.3%. On housing, the median home value is $125,800 (33% below the state average) with median rent at $738 per month, and 76.8% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 18.2% of adults hold a bachelor's degree or higher, the median age is 38.8, and the average commute is 24 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Clay County, so you can benchmark 68944 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 68944, Harvard, NE · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

1,323

Population

270.0

Area (sq mi)

5

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 68944?

38.8

Median Age

49.8%

Male

50.2%

Female

6.4%

Foreign-Born

White 78.6%
African American 0.6%
Asian 0.0%
American Indian or Alaska Native 2.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.3%
Hispanic or Latino 25.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$69,432

Median Household Income

-9% vs state

$36,130

Per Capita Income

6.6%

Poverty Rate

2.3%

Unemployment Rate

23.5 min

Mean Commute Time

How ZIP 68944 ranks nationally

Harvard, NE household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$69,432 46th percentile higher than 46% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.5%
Bachelor's Degree or Higher 18.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

556

Total Housing Units

521

Occupied Units

35

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 76.8%
Renter 23.2%

$125,800

Median Home Value

-33% vs state

$738

Median Rent

1959

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 13 business establishments in ZIP 68944, employing approximately 39 people with a combined annual payroll of $1,800,000.

13

Businesses

39

Employees

$1.8M

Annual Payroll

0

Industry Sectors

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 68944 vs 68975 →

ZIP 68944 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 68944 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 68944 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 68944 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
68975 Saronville, NE 160 7.4 mi
68954 Inland, NE 94 7.8 mi
68933 Clay Center, NE 932 9.4 mi
68841 Giltner, NE 610 9.1 mi

More ZIP Codes in Clay County

68979 standard
Sutton, NE
Pop: 1,888
68933 standard
Clay Center, NE
Pop: 932
68941 standard
Glenvil, NE
Pop: 832
68935 standard
Edgar, NE
Pop: 750
68938 standard
Fairfield, NE
Pop: 582
68980 standard
Trumbull, NE
Pop: 388

Related Areas

Clay County Harvard, NE Nebraska

Frequently Asked Questions

What county is ZIP code 68944 in? ▼
ZIP code 68944 (Harvard) is located in Clay County, Nebraska. Clay County contains multiple ZIP codes, see the full list at /counties/clay-ne.
What is the population of ZIP code 68944? ▼
ZIP code 68944 in Harvard, NE has a population of 1,323 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 68944? ▼
The median household income in ZIP 68944 is $69,432, which is 9% below the national average of $76,288.
What is the average home value in ZIP 68944? ▼
The median home value in ZIP 68944 is $125,800, which is 55% below the national average of $278,155.
What is the demographic makeup of ZIP 68944? ▼
The largest racial group in ZIP 68944 is White at 78.6%. Hispanic or Latino residents make up 25.2% of the population.
How many businesses are in ZIP code 68944? ▼
ZIP code 68944 has 13 business establishments employing approximately 39 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 68944? ▼
In ZIP code 68944, 54.5% of residents aged 25+ have a high school diploma or higher, and 18.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 68944? ▼
The mean commute time for workers in ZIP code 68944 is 23.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 68944? ▼
In ZIP code 68944, approximately 76.8% of occupied housing units are owner-occupied and 23.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 68944? ▼
The poverty rate in ZIP code 68944 is 6.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.