1st Advantage MortgageGreeley County households have a median income of $63,929 and median rent of $613 a month (ACS 2020 to 2024). Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Greeley County applicant for an upfront fee.
On this page
- Who lives in Greeley County
- Homes and rents, Greeley County
- Income in Greeley County compared with Nebraska
- Employment and commuting in Greeley County
- How Greeley County ranks in Nebraska
- Neighboring counties at a glance
- Cities, towns and CDPs in Greeley County
- Debt-to-income at Greeley County's medians
- Before borrowing in Greeley County
- Who lives in Greeley County, in numbers
- Steps before you apply in Greeley County
- Nebraska rules that apply in Greeley County
- Other Nebraska guides
- Frequently asked questions
Who lives in Greeley County
The latest five-year Census estimate puts Greeley County's population at 2,202; only 72 of Nebraska's 93 county-level areas are larger. It covers 570 square miles of land, or about 4 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Largest place: Scotia, about 428 residents (19% of Greeley County); 4 Census places in all. Census margins of error grow as populations shrink; for a county of 2,202, read each figure as a range.
Homes and rents, Greeley County
Renters in Greeley County pay a median of $613 a month, 43% below the Nebraska figure of $1,072. By the Census definition, 30% of Greeley County renters are cost-burdened. Home values center on $120,000, or 1.9 years of median income. The ownership rate is 82%. Median construction year: 1946. Against the median U.S. county, Greeley County rent is 30% below.
| Measure | Greeley County | Nebraska | Gap |
|---|---|---|---|
| Median gross rent | $613/mo | $1,072/mo | 43% lower |
| Median home value | $120,000 | $238,600 | 50% lower |
| Owners | 82% | 67% | +15.2 pts |
| Rent-burdened renters | 30% | 45% | -14.8 pts |
| Burdened owners | 34% | 22% | +11.9 pts |
| Mobile homes | 5.3% | 2.9% | +2.4 pts |
With 82% of Greeley County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Income in Greeley County compared with Nebraska
Median household income in Greeley County: $63,929 (16% below Nebraska, $76,475). Only 64 Nebraska counties post a higher median.
| Yearly household income | Greeley County | Gap to Nebraska |
|---|---|---|
| Under $35,000 | 28.1% | +7.3 pts |
| $35,000 to $99,999 | 46.6% | +4.6 pts |
| $100,000 to $199,999 | 21.2% | -6.7 pts |
| $200,000 or more | 4.2% | -5.2 pts |
Six-figure households (25%) are outnumbered by those under $35,000 (28%) in Greeley County. The poverty rate is 13.1%, 2 points higher than the state's 10.6%. The Gini index of income inequality is 0.417 (0 is perfect equality). None of these numbers decides a Greeley County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Greeley County
Education and health care (24%), agriculture, forestry and mining (17%) and retail trade (13%) lead Greeley County's job mix. Agriculture, forestry and mining stands out: 17% of workers here, versus 4% statewide. 3.5% of Greeley County's labor force reported being unemployed, averaged across 2020 to 2024. 51% of Greeley County workers get to work in under 15 minutes, while 11% need 45 or more. 2.2% of households have no vehicle.
| Sector | Greeley County | Compared with Nebraska |
|---|---|---|
| Education and health care | 24.3% | -0.2 pts |
| Agriculture, forestry and mining | 16.9% | +12.6 pts |
| Retail trade | 12.8% | +2.2 pts |
| Construction | 8.1% | +1.0 pts |
| Other services | 7.3% | +2.6 pts |
| Transportation, warehousing and utilities | 6.1% | +0.2 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Greeley County should have bank statements and tax returns ready.
How Greeley County ranks in Nebraska
Out of every Nebraska county, Greeley County is most unusual on these measures.
- Few Nebraska counties match Greeley County on median gross rent: $613/mo here, $1,072/mo for the state, ranking 7th lowest of 93. Cheaper housing gives many renters more slack in a budget.
- Greeley County ranks 12th lowest of 93 Nebraska counties for the uninsured rate: 4.9%, against 7.2% statewide. Even insured households face deductibles; ask the provider about a payment plan.
- Few Nebraska counties match Greeley County on homeownership: 82% here, 67% for the state, ranking 13th highest of 93. Most households here own, so home equity is often an alternative to weigh.
Neighboring counties at a glance
Valley County is closest, 23 miles from center to center; the sixth, Garfield County, is 32 miles off. Greeley County's $63,929 median trails 4 of the six and beats 2; the range runs $61,852 (Valley County) to $76,767 (Howard County).
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Greeley County | - | $63,929 | $613/mo | 82% |
| Valley County, NE | 23 mi | $61,852 | $626/mo | 74% |
| Howard County, NE | 24 mi | $76,767 | $777/mo | 78% |
| Wheeler County, NE | 25 mi | $70,250 | $509/mo | 78% |
| Boone County, NE | 26 mi | $74,947 | $850/mo | 82% |
| Nance County, NE | 30 mi | $65,179 | $807/mo | 73% |
| Garfield County, NE | 32 mi | $62,804 | $490/mo | 76% |
Cities, towns and CDPs in Greeley County
4 Census places fall mainly inside Greeley County; the 4 biggest are below. They account for 1,481 residents, leaving about 33% of the county in unincorporated, unnamed areas. None of the 4 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Scotia | village | 428 | $45,000 | $581 | 11 mi |
| Greeley Center | village | 417 | $49,083 | $658 | 1 mi |
| Spalding | village | 353 | $65,625 | $546 | 12 mi |
| Wolbach | village | 283 | $52,321 | $713 | 14 mi |
Debt-to-income at Greeley County's medians
Greeley County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Greeley County: $5,327
- Housing at the median rent of $613 uses 12%
- $1,305: what a 36% ratio leaves once rent is paid
A household below the $63,929 median has less room than this, often none.
Before borrowing in Greeley County
Where the Greeley County numbers stand out, and why it matters for a loan:
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Advance-fee offers. No legitimate lender asks a Greeley County borrower to pay first (scam signs).
Who lives in Greeley County, in numbers
Bachelor's degree or higher: 21% of Greeley County adults. 4.9% of residents have no health coverage.
| Residents | Greeley County | Difference from Nebraska | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 21.3% | -13.3 pts | -0.8 pts |
| Median age | 44.1 | +6.9 yrs | +2.6 yrs |
| Work from home | 5.9% | -5.1 pts | -2.8 pts |
| No vehicle | 2.2% | -3.2 pts | -3.2 pts |
| Poverty rate | 13.1% | +2.5 pts | -0.1 pts |
| No health insurance | 4.9% | -2.3 pts | -3.0 pts |
| No high school diploma | 6.8% | -1.0 pts | n/a |
| Unemployment (ACS) | 3.5% | +0.5 pts | -0.9 pts |
| One-way commute | Share of Greeley County workers |
|---|---|
| Under 15 min | 50.5% |
| 15 to 29 min | 27.2% |
| 30 to 44 min | 10.9% |
| 45 to 59 min | 3.0% |
| 60+ min | 8.4% |
Steps before you apply in Greeley County
Steps that save money for Greeley County residents:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Nebraska rules that apply in Greeley County
No county office licenses personal lenders. For Greeley County, check the Nebraska Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. The Nebraska guide covers state rules in more detail.
Other Nebraska guides
For statewide rules and data, see the Nebraska guide.
Frequently asked questions
Is Greeley County a high-income county?
Its $63,929 median ranks 65th of 93 Nebraska counties and compares with $65,681 for the median U.S. county.
How much is rent in Greeley County?
Median gross rent, utilities included, is $613 a month; 30% of renters spend 30% or more of income on it.
Can Greeley County owners borrow against a $120,000 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
What are the biggest places in Greeley County?
By population: Scotia, Greeley Center, Spalding, Wolbach. The county has 4 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Greeley County or elsewhere in Nebraska, the same rules apply.