Zip code 68944: Harvard, Nebraska

Q: What city is zip code 68944?

68944 is assigned to Harvard, Nebraska. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 68944 in?

68944 is mostly in Clay County, but it extends into 1 other county.

Q: What is the population of 68944?

About 1,252 people live in 68944, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 68944?

The median household income in 68944 is $69,432.

Q: What zip codes are near 68944?

The closest zip codes to 68944 are 68954, 68975, 68980, 68933, 68841.

Residential delivery areaClay CountyCentral Time

Population

1,252

Median household income

$69K

U.S. $81K

Median home value

$126K

U.S. $333K

Median rent

$738/mo

U.S. $1,413

Median age

38.8

U.S. 38.9

Land area

108 sq mi

12 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 68944

68944 is a rural zip code in Harvard, Nebraska (Clay County), covering 108 sq mi of land. About 1,252 people live here, or 12 per square mile. The median resident is 38.8 years old, compared with 38.9 nationally.

The median household earns $69,432 a year, 14% below the national median of $80,734. 6.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $125,800, or 1.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 77% of occupied homes are lived in by their owners, and renters pay a median of $738 a month.

18% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.5 minutes each way, and 4% of workers work from home. The most common jobs among working residents are in management; transportation and moving goods; and healthcare. 16% of them are self-employed (U.S.: 10%).

How 68944 compares

Sorted from highest to lowest national percentile

Self-employed workers15.6%
92nd
U.S. 10% · NE 10.8%287th of 540 in NE
Healthcare workers13%
88th
U.S. 9.7% · NE 9.5%78th of 540 in NE
Uninsured rate11.3%
77th
U.S. 8.4% · NE 7.2%78th of 540 in NE
Homeownership rate76.8%
71st
U.S. 65.2% · NE 66.5%328th of 538 in NE
Residents under 1824%
67th
U.S. 22% · NE 24.5%249th of 540 in NE
Government workers15.3%
61st
U.S. 14.5% · NE 15%257th of 540 in NE
Residents 65 and older16.5%
50th
U.S. 17.2% · NE 16.7%402nd of 540 in NE
Median age38.8
48th
U.S. 38.9 · NE 37.2359th of 540 in NE
Veterans5.7%
48th
U.S. 6.2% · NE 6.9%349th of 540 in NE
Housing vacancy6.3%
47th
U.S. 10.1% · NE 7.6%389th of 538 in NE
Rent-burdened renters48.6%
42nd
U.S. 51.1% · NE 45.1%112th of 523 in NE
Income inequality (Gini)0.422
39th
U.S. 0.483 · NE 0.456210th of 538 in NE
Per capita income$36,130
38th
U.S. $44,673 · NE $41,751346th of 540 in NE
Broadband access90.4%
37th
U.S. 91% · NE 90.6%184th of 538 in NE
Diversity index40.2
36th
U.S. 61.4 · NE 41.368th of 540 in NE
Foreign-born residents6.4%
36th
U.S. 14.1% · NE 8%85th of 540 in NE
Median household income$69,432
35th
U.S. $80,734 · NE $76,475316th of 530 in NE
Average commute23.5 min
33rd
U.S. 26.4 min · NE 19.2 min186th of 537 in NE
Median earnings per worker$42,813
32nd
U.S. $49,666 · NE $47,319339th of 540 in NE
Poverty rate6.6%
22nd
U.S. 12.5% · NE 10.6%313th of 539 in NE
Bachelor's degree or higher18.2%
16th
WeaknessU.S. 35.7% · NE 34.6%420th of 539 in NE
Tech workers0.8%
10th
U.S. 3.8% · NE 3.3%248th of 540 in NE
Unemployment rate2.4%
9th
StrengthU.S. 5.2% · NE 3%184th of 540 in NE
Median home value$125,800
6th
U.S. $332,700 · NE $238,600373rd of 511 in NE
Median gross rent$738
4th
U.S. $1,413 · NE $1,072303rd of 441 in NE
Work from home3.8%
4th
U.S. 15.1% · NE 11%440th of 540 in NE
Population1,252
2nd
U.S. 334,922,499 · NE 1,978,707200th of 540 in NE
Population density12/sq mi
1st
U.S. 95/sq mi · NE 26/sq mi237th of 540 in NE

Measure	68944	Clay	NE	U.S.	National percentile	Rank in NE
Self-employed workers	15.6%	19.6%	10.8%	10%	92nd	287th of 540
Healthcare workers	13%	10.7%	9.5%	9.7%	88th	78th of 540
Uninsured rate	11.3%	6.6%	7.2%	8.4%	77th	78th of 540
Homeownership rate	76.8%	81.9%	66.5%	65.2%	71st	328th of 538
Residents under 18	24%	24.6%	24.5%	22%	67th	249th of 540
Government workers	15.3%	18.9%	15%	14.5%	61st	257th of 540
Residents 65 and older	16.5%	20.3%	16.7%	17.2%	50th	402nd of 540
Median age	38.8	39.1	37.2	38.9	48th	359th of 540
Veterans	5.7%	6%	6.9%	6.2%	48th	349th of 540
Housing vacancy	6.3%	11.6%	7.6%	10.1%	47th	389th of 538
Rent-burdened renters	48.6%	35.9%	45.1%	51.1%	42nd	112th of 523
Income inequality (Gini)	0.422	0.428	0.456	0.483	39th	210th of 538
Per capita income	$36,130	$39,221	$41,751	$44,673	38th	346th of 540
Broadband access	90.4%	87.9%	90.6%	91%	37th	184th of 538
Diversity index	40.2	23.1	41.3	61.4	36th	68th of 540
Foreign-born residents	6.4%	2.6%	8%	14.1%	36th	85th of 540
Median household income	$69,432	$78,986	$76,475	$80,734	35th	316th of 530
Average commute	23.5 min	22.1 min	19.2 min	26.4 min	33rd	186th of 537
Median earnings per worker	$42,813	$47,835	$47,319	$49,666	32nd	339th of 540
Poverty rate	6.6%	6.9%	10.6%	12.5%	22nd	313th of 539
Bachelor's degree or higherWeakness	18.2%	22.3%	34.6%	35.7%	16th	420th of 539
Tech workers	0.8%	0.7%	3.3%	3.8%	10th	248th of 540
Unemployment rateStrength	2.4%	1.9%	3%	5.2%	9th	184th of 540
Median home value	$125,800	$155,600	$238,600	$332,700	6th	373rd of 511
Median gross rent	$738	$645	$1,072	$1,413	4th	303rd of 441
Work from home	3.8%	6.7%	11%	15.1%	4th	440th of 540
Population	1,252	6,095	1,978,707	334,922,499	2nd	200th of 540
Population density	12/sq mi	11/sq mi	26/sq mi	95/sq mi	1st	237th of 540

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

20%

5–17

18–24

11%

25–34

35–44

12%

45–54

18%

55–64

10%

65–74

75+

Median age

38.8

Under 18

24%

65 and over

16.5%

Race and ethnicity

White73%
Black0.6%
Hispanic25%
Asian0%
Native American0.2%
Pacific Islander0%
Other0.2%
Multiracial0.7%

Diversity index

40.2

U.S. 61.4

Foreign-born

6.4%

U.S. 14.1%

Born in state

62.9%

Language spoken at home (households)

English only

88%

Spanish

12%

Other Indo-European

Asian / Pacific

Other

Households

Households: 521
Average household size: 2.4
Family households: 68.5%
Married couples: 47%
Living alone: 25.9%
Veterans (of adults): 5.7%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

12%

$25–50k

20%

$50–75k

25%

$75–100k

16%

$100–150k

13%

$150–200k

$200k+

Median household income

68944

$69,432

Clay Co.

$78,986

Nebraska

$76,475

United States

$80,734

Per capita income

$36,130

U.S. $44,673

Poverty rate

6.6%

U.S. 12.5%

Households earning $150K+

13.1%

U.S. 23%

Income inequality (Gini)

0.422

U.S. 0.483

Housing

Median home value

68944

$125,800

Clay Co.

$155,600

Nebraska

$238,600

United States

$332,700

Median gross rent

68944

$738

Clay Co.

$645

Nebraska

$1,072

United States

$1,413

Types of housing

Single-family

81%

2–4 units

11%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 556
Owner-occupied: 76.8%
Vacant: 6.3%
Median year built: 1959
Median rooms: 6.7
Renters paying 30%+ of income: 48.6%
Renters paying 50%+ of income: 4.7%
Home value to income: 1.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

0.3%

Commute time (one way)

<10 min

21%

10–19

18%

20–29

22%

30–44

29%

45–59

60+

Average commute

23.5 min

U.S. 26.4 min

Unemployment

2.4%

U.S. 5.2%

In labor force

69.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

17%

Transportation and moving

13%

Healthcare

13%

Cleaning and personal care

11%

Office and admin

Sales

Production

Construction and repair

Food service

Education

Legal and social services

Farming, fishing and forestry

Engineering and science

Business and finance

Arts, media and sports

Computer and math

0.8%

Police and fire

Industries

Health care and social assistance

19%

Agriculture and mining

11%

Manufacturing

11%

Education

10%

Wholesale

10%

Construction

Retail

Transportation, warehousing and utilities

Restaurants and hotels

Other services

Professional and technical services

Public administration

Finance, insurance and real estate

Information

0.3%

Admin, support and management

Arts and recreation

Median earnings per worker

$42,813

U.S. $49,666

Self-employed

15.6%

U.S. 10%

Government workers

15.3%

U.S. 14.5%

Nonprofit workers

8.5%

U.S. 8.8%

Median earnings by type of work

Type of work	68944	U.S.
Management, business, science and arts	$61,384	$74,888
Service	$27,014	$26,804
Sales and office	$39,779	$40,476
Construction and maintenance	$46,875	$49,199
Production and transportation	$58,125	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

36%

Some college

25%

Associate's

10%

Bachelor's

12%

Graduate

High school graduate or higher: 89.2%
Bachelor's degree or higher: 18.2%
Graduate or professional degree: 5.9%
Households with broadband: 90.4%
Cable, fiber or DSL: 63.3%
No internet access: 7.9%
Without health insurance: 11.3%
Limited-English households: 0%

Geography

City (USPS): Harvard
State: Nebraska
County: Clay County
Center point: 40.6378° N, 98.0941° W
Land area: 108 sq mi
Water area: 0.3 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

68944 spans 2 counties

Clay County89% of land
Hamilton County11% of land

Zip codes near 68944

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
68954	Inland, NE	7.5 mi	43	$45,893	—
68975	Saronville, NE	7.7 mi	88	$92,500	$112,500
68980	Trumbull, NE	8.6 mi	561	$124,375	$260,300
68933	Clay Center, NE	8.7 mi	851	$89,583	$150,400
68841	Giltner, NE	9.2 mi	649	$76,875	$221,900
68979	Sutton, NE	13 mi	1,572	$85,862	$157,900
68818	Aurora, NE	14 mi	5,680	$81,045	$263,900
68901	Hastings, NE	15 mi	26,264	$66,585	$190,100
68941	Glenvil, NE	15 mi	683	$72,460	$202,500
68938	Fairfield, NE	15 mi	532	$68,250	$150,800
68902	Hastings, NE · PO box	16 mi	—	—	—
68832	Doniphan, NE	17 mi	2,126	$96,641	$250,000

Zip codes like 68944 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 68944

What city is zip code 68944?

68944 is assigned to Harvard, Nebraska. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 68944 in?

68944 is mostly in Clay County, but it extends into 1 other county.

What is the population of 68944?

About 1,252 people live in 68944, according to the Census Bureau's American Community Survey.

What time zone is 68944 in?

68944 is in Central Time.

What is the median household income in 68944?

The median household income in 68944 is $69,432.

What zip codes are near 68944?

The closest zip codes to 68944 are 68954, 68975, 68980, 68933, 68841.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 68944, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.