1st Advantage MortgageIn Cass County, Nebraska, the typical household earns $91,836 a year and the typical rent is $996. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Cass County, NE: the basics
- Paychecks and income spread in Cass County
- Jobs and commutes in Cass County
- Cass County housing compared with Nebraska
- Counties near Cass County
- Cities, towns and CDPs in Cass County
- Budget math at the Cass County median
- Before borrowing in Cass County
- More Cass County figures
- Checklist for Cass County applicants
- Licensing and complaints for Cass County
- Nearby and statewide guides
- Frequently asked questions
Cass County, NE: the basics
The latest five-year Census estimate puts Cass County's population at 27,161; only 11 of Nebraska's 93 county-level areas are larger. It covers 557 square miles of land, or about 49 people per square mile. It is one of the counties that make up the Omaha, NE-IA metropolitan statistical area (OMB, 2023). Of the 15 Census places inside Cass County, Plattsmouth leads by population with about 6,731; 15 of the 15 are incorporated.
Paychecks and income spread in Cass County
At $91,836, the typical Cass County household income is 40% above the median U.S. county ($65,681). That places it 4th among Nebraska's 93 county-level areas.
| Household income | Cass County | vs Nebraska |
|---|---|---|
| Under $35,000 | 14.0% | -6.7 pts |
| $35,000 to $99,999 | 41.1% | -0.9 pts |
| $100,000 to $199,999 | 32.9% | +5.0 pts |
| $200,000 or more | 12.0% | +2.6 pts |
About 14% of households earn under $35,000, while 45% clear $100,000. The poverty rate is 5.2%, 5 points lower than the state's 10.6%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Jobs and commutes in Cass County
Education and health care employs 20% of working residents, the largest share; retail trade is next with 12%. Compared with Nebraska, the county leans toward construction (10% against 7%). Averaged over the five survey years, 1.7% of the labor force was out of work and looking. 15% of commuters travel 45 minutes or more each way, and 12% work from home.
| Where residents work | Cass County | Difference from Nebraska |
|---|---|---|
| Education and health care | 20.4% | -4.0 pts |
| Retail trade | 12.0% | +1.4 pts |
| Finance, insurance and real estate | 10.4% | +2.6 pts |
| Construction | 10.2% | +3.1 pts |
| Transportation, warehousing and utilities | 8.1% | +2.2 pts |
| Arts, lodging and food service | 7.7% | +0.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cass County housing compared with Nebraska
A typical Cass County rental runs $996 a month including utilities, which is 7% below Nebraska. By the Census definition, 41% of Cass County renters are cost-burdened. Home values center on $254,900, or 2.8 years of median income. 85% of Cass County households own their home and 15% rent. Median construction year: 1977.
| Measure | Cass County | Nebraska | Median U.S. county |
|---|---|---|---|
| Median gross rent | $996/mo | $1,072/mo | $877/mo |
| Median home value | $254,900 | $238,600 | $185,300 |
| Owners | 85% | 67% | 75% |
| Rent-burdened renters | 41% | 45% | 45% |
| Burdened owners | 25% | 22% | n/a |
| Mobile homes | 3.9% | 2.9% | n/a |
| Vacant units | 9% | 8% | n/a |
In an owner-heavy county like Cass County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Counties near Cass County
The six counties whose centers lie closest to Cass County's, from 14 to 31 miles away. Sarpy County leads the group on income ($103,321), Fremont County trails ($71,621), and Cass County out-earns 5 of the six. The list crosses into Iowa, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Cass County | - | $91,836 | $996/mo | 85% |
| Sarpy County, NE | 14 mi | $103,321 | $1,334/mo | 70% |
| Otoe County, NE | 19 mi | $82,188 | $914/mo | 82% |
| Douglas County, NE | 27 mi | $80,391 | $1,201/mo | 62% |
| Mills County, IA | 29 mi | $90,753 | $959/mo | 84% |
| Lancaster County, NE | 30 mi | $74,793 | $1,085/mo | 59% |
| Fremont County, IA | 31 mi | $71,621 | $746/mo | 78% |
Cities, towns and CDPs in Cass County
15 Census places fall mainly inside Cass County; the 14 biggest are below. They account for 14,248 residents, leaving about 48% of the county in unincorporated, unnamed areas. Incomes vary by place: $94,208 at the median in Louisville, $73,929 in Plattsmouth. This guide covers each of the 15 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Plattsmouth | city | 6,731 | $73,929 | $941 | 15 mi |
| Louisville | city | 1,449 | $94,208 | $1,198 | 6 mi |
| Weeping Water | city | 1,407 | $83,750 | $1,021 | 3 mi |
| Eagle | village | 1,259 | $76,875 | $1,104 | 17 mi |
| Elmwood | village | 774 | $76,944 | $743 | 9 mi |
| Greenwood | village | 601 | $90,774 | $1,283 | 16 mi |
| Murray | village | 431 | $80,250 | $1,094 | 11 mi |
| Cedar Creek | village | 427 | $118,456 | n/a | 10 mi |
| Murdock | village | 228 | $59,167 | $1,000 | 7 mi |
| Union | village | 215 | $64,000 | $1,075 | 13 mi |
| Manley | village | 204 | $63,750 | n/a | 1 mi |
| Avoca | village | 190 | $66,563 | $867 | 8 mi |
| Alvo | village | 123 | $113,750 | n/a | 13 mi |
| Nehawka | village | 109 | $58,958 | $1,125 | 10 mi |
Budget math at the Cass County median
Cass County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $7,653 before taxes
- Housing at the median rent of $996 uses 13%
- 40% debt-to-income limit: $2,065 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Cass County
Where the Cass County numbers stand out, and why it matters for a loan:
- Strong incomes, long terms. 45% of Cass County households earn $100,000+. The risk is a term that outlasts the need.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
More Cass County figures
College graduates make up 32% of the adult population. About 6% go without health insurance.
| Residents | Cass County | Nebraska | Middle U.S. county |
|---|---|---|---|
| Median age | 41.5 | 37.2 | 41.5 |
| Bachelor's or higher | 32.2% | 34.6% | 22.2% |
| No high school diploma | 4.0% | 7.8% | n/a |
| No health insurance | 6.0% | 7.2% | 7.8% |
| No vehicle | 3.4% | 5.4% | 5.4% |
| Work from home | 12.3% | 11.0% | 8.7% |
| Poverty rate | 5.2% | 10.6% | 13.2% |
| Unemployment (ACS) | 1.7% | 3.0% | 4.4% |
| Commute length | Cass County |
|---|---|
| Under 15 min | 22.7% |
| 15 to 29 min | 29.5% |
| 30 to 44 min | 32.4% |
| 45 to 59 min | 10.9% |
| 60+ min | 4.5% |
Checklist for Cass County applicants
Before you apply, wherever you live in Cass County:
- Write down what the expense costs; a smaller loan costs less.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Licensing and complaints for Cass County
Cass County borrowers fall under statewide rules, enforced by the Nebraska Department of Banking and Finance. Problems with a lender can also go to the CFPB. Statewide data and rules: Nebraska guide.
Nearby and statewide guides
The Nebraska guide covers the whole state.
Frequently asked questions
What does a typical Cass County household make?
About $91,836 a year at the median (ACS 2020-24), 20% above the Nebraska median.
Is Cass County expensive for renters?
Median rent is $996 against $1,072 statewide, and 41% of renter households are cost-burdened.
I own my home in Cass County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 85% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Cass County?
By population: Plattsmouth, Louisville, Weeping Water, Eagle, Elmwood. The county has 15 Census places in all.
Will a Cass County address affect my match?
Beyond confirming Nebraska as your state, no. Your answers about amount, credit, income and payments are all that count.