1st Advantage MortgageSarpy County households have a median income of $103,321 and median rent of $1,334 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Nebraska license first.
On this page
- Getting oriented in Sarpy County
- Rent, home values and ownership in Sarpy County
- How much Sarpy County households make
- How Sarpy County residents earn a living
- Sarpy County and the counties next door
- Places inside Sarpy County
- Who lives in Sarpy County, in numbers
- Before borrowing in Sarpy County
- Budget math at the Sarpy County median
- Who licenses lenders for Sarpy County residents
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Sarpy County
The latest five-year Census estimate puts Sarpy County's population at 197,389; only 2 of Nebraska's 93 county-level areas are larger. Land area is 238 square miles (2024 Gazetteer), so density runs near 829 per square mile. For statistical purposes it belongs to the Omaha, NE-IA metro area, as delineated by the Office of Management and Budget in July 2023. Of the 12 Census places inside Sarpy County, Bellevue leads by population with about 64,510; 5 of the 12 are incorporated.
Rent, home values and ownership in Sarpy County
A typical Sarpy County rental runs $1,334 a month including utilities, which is 24% above Nebraska. Rent takes 30% or more of income for 44% of renter households here. Home values center on $314,100, or 3.0 years of median income. 70% of Sarpy County households own their home and 30% rent. Median construction year: 1996.
| Housing | Sarpy County | Nebraska statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,334/mo | $1,072/mo | $877/mo |
| Median home value | $314,100 | $238,600 | $185,300 |
| Owners | 70% | 67% | 75% |
| Rent-burdened renters | 44% | 45% | 45% |
| Burdened owners | 20% | 22% | n/a |
| Mobile homes | 0.9% | 2.9% | n/a |
How much Sarpy County households make
The median household income in Sarpy County is $103,321; statewide it is $76,475, so Sarpy County runs 35% above Nebraska as a whole.
| Band | Sarpy County | Compared with Nebraska |
|---|---|---|
| Under $35,000 | 12.4% | -8.4 pts |
| $35,000 to $99,999 | 36.1% | -5.9 pts |
| $100,000 to $199,999 | 36.4% | +8.5 pts |
| $200,000 or more | 15.2% | +5.8 pts |
The spread is wide: 52% of Sarpy County households make $100,000 or more, and 12% make less than $35,000. The poverty rate is 5.6%, 5 points lower than the state's 10.6%. The Gini index of income inequality is 0.399 (0 is perfect equality). A household earning below the $103,321 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Sarpy County residents earn a living
Education and health care employs 24% of working residents, the largest share; professional and administrative services is next with 13%. Professional and administrative services stands out: 13% of workers here, versus 9% statewide. ACS puts five-year average unemployment at 2.6% in Sarpy County. 5% of commuters travel 45 minutes or more each way, and 13% work from home.
| Industry | Share of Sarpy County workers | vs Nebraska |
|---|---|---|
| Education and health care | 23.6% | -0.9 pts |
| Professional and administrative services | 13.0% | +3.5 pts |
| Retail trade | 10.7% | +0.1 pts |
| Finance, insurance and real estate | 9.6% | +1.8 pts |
| Construction | 8.3% | +1.2 pts |
| Arts, lodging and food service | 7.2% | -0.1 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Sarpy County and the counties next door
The six counties whose centers lie closest to Sarpy County's, from 13 to 33 miles away. None of the six report a higher median household income than Sarpy County; Washington County is highest at $94,396 and Douglas County lowest at $80,391. Some neighbors are in Iowa. Lender licensing is state by state, so a loan for a Sarpy County resident follows Nebraska rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Sarpy County | - | $103,321 | $1,334/mo | 70% |
| Douglas County, NE | 13 mi | $80,391 | $1,201/mo | 62% |
| Cass County, NE | 14 mi | $91,836 | $996/mo | 85% |
| Mills County, IA | 26 mi | $90,753 | $959/mo | 84% |
| Saunders County, NE | 29 mi | $94,066 | $960/mo | 82% |
| Washington County, NE | 30 mi | $94,396 | $965/mo | 83% |
| Otoe County, NE | 33 mi | $82,188 | $914/mo | 82% |
Places inside Sarpy County
The table lists the 12 largest of 12 Census places in Sarpy County, by population. Together all 12 hold about 133,978 people, so roughly 32% of residents live outside any named place. Among places of 500 or more people, median income runs from $72,500 in Offutt AFB to $123,992 in Gretna. No Sarpy County place has a separate guide yet; this county page serves all 12.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Bellevue | city | 64,510 | $85,462 | $1,226 | 9 mi |
| Papillion | city | 25,244 | $111,679 | $1,269 | 3 mi |
| La Vista | city | 16,563 | $81,961 | $1,317 | 5 mi |
| Chalco | CDP | 10,595 | $85,672 | $1,195 | 5 mi |
| Gretna | city | 9,193 | $123,992 | $1,540 | 5 mi |
| Offutt AFB | CDP | 6,074 | $72,500 | $1,666 | 10 mi |
| Springfield | city | 1,595 | $92,955 | $1,288 | 2 mi |
| Linoma Beach | CDP | 99 | $119,464 | n/a | 11 mi |
| Richfield | CDP | 47 | $91,563 | n/a | 2 mi |
| Beacon View | CDP | 36 | $103,750 | n/a | 12 mi |
| Melia | CDP | 22 | n/a | n/a | 9 mi |
| La Platte | CDP | 0 | n/a | n/a | 10 mi |
Who lives in Sarpy County, in numbers
College graduates make up 43% of the adult population. 4.7% of residents have no health coverage.
| Residents | Sarpy County | Nebraska | Middle U.S. county |
|---|---|---|---|
| Median age | 35.7 | 37.2 | 41.5 |
| Bachelor's or higher | 42.6% | 34.6% | 22.2% |
| No high school diploma | 4.4% | 7.8% | n/a |
| No health insurance | 4.7% | 7.2% | 7.8% |
| No vehicle | 3.0% | 5.4% | 5.4% |
| Work from home | 13.5% | 11.0% | 8.7% |
| Poverty rate | 5.6% | 10.6% | 13.2% |
| Unemployment (ACS) | 2.6% | 3.0% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 27.5% |
| 15 to 29 min | 50.9% |
| 30 to 44 min | 16.2% |
| 45 to 59 min | 2.7% |
| 60+ min | 2.6% |
Before borrowing in Sarpy County
Where the Sarpy County numbers stand out, and why it matters for a loan:
- Higher earners. 52% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Budget math at the Sarpy County median
How much room does a median Sarpy County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Sarpy County: $8,610
- Rent at the median, $1,334, takes 15% of that
- Under a 36% cap, $3,100 total minus rent leaves $1,766
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Who licenses lenders for Sarpy County residents
Licensing happens at the state level, so a lender working with Sarpy County borrowers answers to the Nebraska Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Nebraska state guide for the statewide picture.
Before you sign
A short checklist for Sarpy County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
The Nebraska guide covers the whole state.
Frequently asked questions
Is Sarpy County a high-income county?
Its $103,321 median ranks 1st of 93 Nebraska counties and compares with $65,681 for the median U.S. county.
How much is rent in Sarpy County?
Median gross rent, utilities included, is $1,334 a month; 44% of renters spend 30% or more of income on it.
I own my home in Sarpy County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 70% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Sarpy County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Bellevue, Papillion, La Vista, Chalco, Gretna and 7 more.
Is the fit check different in Sarpy County?
No. It is identical everywhere, and it never looks at your neighborhood.