Cuming County, Nebraska: commercial real estate data.
Cuming County, Nebraska has a population of 8,975 across 571 square miles, down 0.7 percent since the 2020 census base. County output reached $1.07 bn in 2024, 332 establishments operate here, and the SBA record carries 7 7(a) approvals worth $3.9 m.
117 sourced county values · tier FULL · 11 sections
Cuming County
How many people live in Cuming County
- Population8,975
- Households3,807
- Average household size2.36
- Median household income$71,104
- Median age40.9
- Median gross rent$789 per month
- Median owner-occupied home value$178,800
- Home value to household income2.5 times
- Annual rent as a share of median income13.3 percent
- Adults 25 and over with a bachelor degree or higher24.9 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over6,045
- Population under 182,251
- Share under 1825.1 percent
- Population 65 and over1,931
- Share 65 and over21.5 percent
- Working age population, 18 to 644,793
- Civilian labor force4,808
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over71.5 percent
- Rank by population among Nebraska counties31st of 93
- Rank by population among US county-equivalents2563rd
Cuming County is the 31st largest of 93 Nebraska counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 21.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cuming County
Is Cuming County growing
- Population change since the 2020 census base-0.67 percent
- Census 2020 base population9,012
- Births, 2024136
- Deaths, 2024113
- Natural change, 202423
- Net domestic migration, 2024-31
- Net international migration, 20249
- Total net migration, 2024-22
- Cumulative net domestic migration, 2021 to 2024-171
- Rank by growth among US county-equivalents2078th
The county has lost 0.67 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cuming County
Where people moving to Cuming County come from
- Tax returns filed by households arriving142
- People arriving, from those returns247
- Adjusted gross income arriving$6.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$48,014
- Largest single originCuming County Non-migrants (3,467 households)
- Largest single destination (3,467 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cuming County Non-migrants | 3,467 | 7,769 | $276.2 m |
| Other flows - Same State | 122 | 221 | $5.9 m |
| Douglas County | 20 | 26 | $945,000 |
The largest single source of arrivals is Cuming County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cuming County
What the Cuming County economy runs on
- County GDP, 2024$1.07 bn
- County GDP, 2023$1.11 bn
- GDP change, 2023 to 2024-3.4 percent
- GDP change over five years38.2 percent
- Rank by GDP among Nebraska counties22nd
- Rank by GDP among US county-equivalents1790th
- GDP per resident$119,632
Output grew -3.4 percent in the latest year and 38.2 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cuming County
Who employs people in Cuming County
- Covered employment, annual average3,779
- Establishments reporting400
- Average annual pay$51,942
- Average weekly wage$999
- Sector 31-33, employment421
- Sector 31-33, average annual pay$61,857
- Sector 44-45, employment325
- Sector 44-45, average annual pay$29,795
- Sector 52, employment225
- Sector 52, average annual pay$74,079
- Sector 42, employment216
- Sector 42, average annual pay$65,009
- Sector 23, employment206
- Sector 72, employment206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 421 | 17 | $61,857 |
| Sector 44-45 | 325 | 37 | $29,795 |
| Sector 52 | 225 | 23 | $74,079 |
| Sector 42 | 216 | 22 | $65,009 |
| Sector 23 | 206 | 35 | $52,129 |
| Sector 72 | 206 | 16 | $14,148 |
| Sector 81 | 143 | 32 | $47,669 |
| Sector 54 | 133 | 18 | $64,823 |
The largest sector is the biggest private employer group at 421 jobs, 11.1 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cuming County
What businesses operate in Cuming County
- Establishments, all industries332
- Employment at those establishments2,804
- Annual payroll$136.1 m
- Establishments per 1,000 residents37.0
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Cuming County
What is being built in Cuming County
- Housing units authorised by permit, 202415
- Declared construction value permitted$5.2 m
- Single family units authorised13
- Multifamily units authorised2
- Multifamily share of units13.3 percent
- Average declared value per unit$345,840
- Units authorised per 1,000 households3.9
Multifamily is 13.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cuming County
How much SBA lending happens in Cuming County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$3.9 m
- Average 7(a) approval$553,586
- Median 7(a) approval$118,200
- 10th percentile approval$40,000
- 90th percentile approval$1,500,000
- Largest single approval$1,500,000
- Jobs reported supported, 7(a)19
- Jobs per approval2.7
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals6
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countCattle Feedlots (2)
- Most active lenderFirst Community Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$828,000
- Average 504 approval$414,000
- Median 504 approval$497,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved2.4
- Most active CDCNebraska Economic Development Corporation (2)
- 7(a) share of SBA approvals77.8 percent
- Combined SBA approval dollars$4.7 m
The average approval of $553,586 sits well above the median of $118,200, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 42.9 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cuming County
Do SBA loans in Cuming County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cuming County
Which parts of Cuming County get the lending
- Places in the county with recorded lending3
- Wisner, approvals3
- Bancroft, approvals2
- BEEMER, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Wisner | 3 | $258,200 |
| Bancroft | 2 | $716,900 |
| BEEMER | 2 | $2,900,000 |
Wisner accounts for 3 approvals against 2 in Bancroft. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cuming County
How big is Cuming County
- Land area571 sq mi
- Rank by land area among Nebraska counties57th of 93
- Width, east to west23.9 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land16
- Establishments per square mile0.58
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Cuming County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cuming County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,975
- Households3,807
- Average household size2.36
- Median household income$71,104
- Median age40.9
Common questions
Cuming County questions, answered from the record.
How many people live in Cuming County, Nebraska?
8,975, in 3,807 households, ranking 31st of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cuming County growing?
The population has fallen 0.67 percent since the 2020 census base. In 2024 there were 136 births against 113 deaths, with net migration of -22. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cuming County?
$71,104. The median owner-occupied home is valued at $178,800, which is 2.5 times income, and median gross rent is $789 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cuming County?
332 establishments, employing 2,804 people with an annual payroll of $136.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cuming County?
Average annual pay is $51,942, or $999 a week, across 3,779 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cuming County?
7 7(a) approvals totalling $3.9 m since FY2020, across 4 lenders, with a median approval of $118,200, plus 2 504 approvals worth $828,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Cuming County?
15 housing units were authorised by permit in 2024, with a declared construction value of $5.2 m. Multifamily was 13.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cuming County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cuming County come from?
The largest single origin is Cuming County Non-migrants, with 3,467 households. Arriving households report an average income of $48,014 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cuming County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cuming County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.