1st Advantage MortgageIn Nance County, Nebraska, the typical household earns $65,179 a year and the typical rent is $807. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Nebraska before sharing details.
On this page
- Nance County by the numbers
- Rent, home values and ownership in Nance County
- Income in Nance County compared with Nebraska
- Jobs and commutes in Nance County
- Regional comparison for Nance County
- Cities, towns and CDPs in Nance County
- What a median Nance County budget can carry
- Nance County households compared
- Local borrowing considerations for Nance County
- Before you sign
- Licensing and complaints for Nance County
- Nearby and statewide guides
- Frequently asked questions
Nance County by the numbers
The latest five-year Census estimate puts Nance County's population at 3,324; only 62 of Nebraska's 93 county-level areas are larger. Land area is 442 square miles (2024 Gazetteer), so density runs near 8 per square mile. No metropolitan area includes Nance County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Fullerton is the biggest of its 3 Census places, at roughly 1,346 people (40% of the county total). Small populations mean wide margins of error, so read every Nance County figure on this page as a rough guide.
Rent, home values and ownership in Nance County
Median gross rent, utilities included, comes to $807 in Nance County versus $1,072 statewide. Rent takes 30% or more of income for 38% of renter households here. With a median value of $132,000, a typical Nance County house costs 2.0 times what the median household earns in a year. The ownership rate is 73%.
| Nance County | Nebraska | U.S. county median | |
|---|---|---|---|
| Median gross rent | $807/mo | $1,072/mo | $877/mo |
| Median home value | $132,000 | $238,600 | $185,300 |
| Owners | 73% | 67% | 75% |
| Rent-burdened renters | 38% | 45% | 45% |
| Burdened owners | 17% | 22% | n/a |
| Mobile homes | 1.1% | 2.9% | n/a |
In an owner-heavy county like Nance 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.
Income in Nance County compared with Nebraska
Half of Nance County households take in less than $65,179 a year and half take in more, 15% below the Nebraska median of $76,475. In the state ranking that is 59th of 93.
| Income band | Share in Nance County | Difference from Nebraska |
|---|---|---|
| Under $35,000 | 25.2% | +4.5 pts |
| $35,000 to $99,999 | 50.4% | +8.4 pts |
| $100,000 to $199,999 | 19.4% | -8.5 pts |
| $200,000 or more | 5.0% | -4.4 pts |
Some 25% of households here live on less than $35,000 a year; 24% have six-figure incomes. 16.6% of residents fall below the federal poverty line (statewide: 10.6%). For a borrower in Nance County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Nance County
Education and health care employs 28% of working residents, the largest share; agriculture, forestry and mining is next with 18%. The sharpest difference from the state is in agriculture, forestry and mining, at 18% locally and 4% for Nebraska. ACS puts five-year average unemployment at 3.6% in Nance County. 14% of commuters travel 45 minutes or more each way, and 6% work from home.
| Where residents work | Nance County | Difference from Nebraska |
|---|---|---|
| Education and health care | 27.9% | +3.4 pts |
| Agriculture, forestry and mining | 17.7% | +13.5 pts |
| Retail trade | 10.6% | 0.0 pts |
| Construction | 9.0% | +1.9 pts |
| Manufacturing | 7.9% | -2.5 pts |
| Transportation, warehousing and utilities | 6.4% | +0.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Nance County should have bank statements and tax returns ready.
Regional comparison for Nance County
The six counties whose centers lie closest to Nance County's, from 16 to 30 miles away. Howard County leads the group on income ($76,767), Greeley County trails ($63,929), and Nance County out-earns 1 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Nance County | - | $65,179 | $807/mo | 73% |
| Merrick County, NE | 16 mi | $68,354 | $750/mo | 82% |
| Boone County, NE | 21 mi | $74,947 | $850/mo | 82% |
| Polk County, NE | 26 mi | $69,768 | $681/mo | 79% |
| Platte County, NE | 28 mi | $71,552 | $897/mo | 72% |
| Howard County, NE | 30 mi | $76,767 | $777/mo | 78% |
| Greeley County, NE | 30 mi | $63,929 | $613/mo | 82% |
Cities, towns and CDPs in Nance County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 73% of Nance County residents live in one of the 3. This guide covers each of the 3 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Fullerton | city | 1,346 | $47,750 | $817 | 3 mi |
| Genoa | city | 860 | $66,667 | $798 | 14 mi |
| Belgrade | village | 224 | n/a | $713 | 6 mi |
What a median Nance County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Nance County's medians:
- $65,179 a year is $5,432 of gross monthly income
- Rent at the median, $807, takes 15% of that
- With a 36% ceiling, about $1,148 remains for car, card, student and any new loan payments
If your rent is above $807, the room shrinks dollar for dollar.
Nance County households compared
20% of Nance County adults 25 and older hold a bachelor's degree or more. 6.6% of residents have no health coverage.
| Indicator | Nance County | All of Nebraska | U.S. county median |
|---|---|---|---|
| Median age | 43.1 | 37.2 | 41.5 |
| Bachelor's or higher | 20.1% | 34.6% | 22.2% |
| No high school diploma | 7.4% | 7.8% | n/a |
| No health insurance | 6.6% | 7.2% | 7.8% |
| No vehicle | 2.2% | 5.4% | 5.4% |
| Work from home | 6.0% | 11.0% | 8.7% |
| Poverty rate | 16.6% | 10.6% | 13.2% |
| Unemployment (ACS) | 3.6% | 3.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 40.9% |
| 15 to 29 min | 30.2% |
| 30 to 44 min | 15.0% |
| 45 to 59 min | 5.3% |
| 60+ min | 8.7% |
Local borrowing considerations for Nance County
A few patterns in the Nance County data, and the practical point behind each:
- Consolidating cards in Nance County. Compare the total repaid, not the monthly figure (how).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Before you sign
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Nance County-area credit union.
- Confirm the lender is licensed in Nebraska.
- Never pay a fee up front to get a loan.
Licensing and complaints for Nance County
Consumer lenders serving Nance County are licensed by the state, not the county; in Nebraska that is the Nebraska Department of Banking and Finance. Federal complaints: consumerfinance.gov. The Nebraska guide covers state rules in more detail.
Nearby and statewide guides
For statewide rules and data, see the Nebraska guide.
Frequently asked questions
What does a typical Nance County household make?
About $65,179 a year at the median (ACS 2020-24), 15% below the Nebraska median.
How does Nance County rent compare with Nebraska?
$807 locally versus $1,072 for the state, 25% below.
I live in a small Nance County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Fullerton, Genoa, Belgrade.
Are Nance County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who do I complain to about a lender in Nance County?
Start with the Nebraska Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.