Sarpy County, Nebraska: commercial real estate data.
Sarpy County, Nebraska has a population of 197,389 across 239 square miles, up 7.5 percent since the 2020 census base. County output reached $13.67 bn in 2024, 4,106 establishments operate here, and the SBA record carries 216 7(a) approvals worth $122.6 m.
123 sourced county values · tier FULL · 11 sections
Sarpy County
How many people live in Sarpy County
- Population197,389
- Households74,097
- Average household size2.66
- Median household income$103,321
- Median age35.7
- Median gross rent$1,334 per month
- Median owner-occupied home value$314,100
- Home value to household income3.0 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher42.6 percent
- Adults 25 and over with a graduate degree15.8 percent
- Adults 25 and over128,382
- Population under 1851,948
- Share under 1826.3 percent
- Population 65 and over25,339
- Share 65 and over12.8 percent
- Working age population, 18 to 64120,102
- Civilian labor force106,854
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over73.5 percent
- Rank by population among Nebraska counties3rd of 93
- Rank by population among US county-equivalents352nd
Sarpy County is the 3rd largest of 93 Nebraska counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.3 percent against 12.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sarpy County
Is Sarpy County growing
- Population change since the 2020 census base7.46 percent
- Census 2020 base population190,603
- Births, 20242,402
- Deaths, 20241,296
- Natural change, 20241,106
- Net domestic migration, 20242,348
- Net international migration, 2024899
- Total net migration, 20243,247
- Cumulative net domestic migration, 2021 to 20247,243
- Rank by growth among US county-equivalents280th
The county has grown 7.46 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sarpy County
Where people moving to Sarpy County come from
- Tax returns filed by households arriving8,197
- People arriving, from those returns15,513
- Adjusted gross income arriving$586.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$71,487
- Largest single originSarpy County Non-migrants (71,526 households)
- Largest single destination (71,526 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sarpy County Non-migrants | 71,526 | 158,433 | $7.08 bn |
| Douglas County | 3,897 | 7,266 | $281.6 m |
| Other flows - Different State | 2,375 | 4,746 | $184.8 m |
| Other flows - South | 878 | 1,822 | $59.1 m |
| Other flows - Midwest | 786 | 1,467 | $67.4 m |
| Other flows - West | 563 | 1,169 | $48.0 m |
| Lancaster County | 311 | 463 | $17.9 m |
| Other flows - Same State | 232 | 394 | $15.4 m |
The largest single source of arrivals is Sarpy 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.
Sarpy County
What the Sarpy County economy runs on
- County GDP, 2024$13.67 bn
- County GDP, 2023$12.94 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years37.5 percent
- Rank by GDP among Nebraska counties3rd
- Rank by GDP among US county-equivalents345th
- GDP per resident$69,261
Output grew 5.7 percent in the latest year and 37.5 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.
Sarpy County
Who employs people in Sarpy County
- Covered employment, annual average80,883
- Establishments reporting4,552
- Average annual pay$58,661
- Average weekly wage$1,128
- Sector 44-45, employment10,134
- Sector 44-45, average annual pay$37,535
- Sector 48-49, employment9,920
- Sector 48-49, average annual pay$55,188
- Sector 23, employment8,890
- Sector 23, average annual pay$72,489
- Sector 72, employment7,780
- Sector 72, average annual pay$22,964
- Sector 62, employment7,403
- Sector 54, employment3,921
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 10,134 | 424 | $37,535 |
| Sector 48-49 | 9,920 | 162 | $55,188 |
| Sector 23 | 8,890 | 678 | $72,489 |
| Sector 72 | 7,780 | 363 | $22,964 |
| Sector 62 | 7,403 | 532 | $46,013 |
| Sector 54 | 3,921 | 496 | $102,911 |
| Sector 31-33 | 3,897 | 109 | $67,955 |
| Sector 52 | 2,930 | 222 | $96,251 |
The largest sector is the biggest private employer group at 10,134 jobs, 12.5 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.
Sarpy County
What businesses operate in Sarpy County
- Establishments, all industries4,106
- Employment at those establishments62,801
- Annual payroll$3.43 bn
- Establishments per 1,000 residents20.8
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.
Sarpy County
What is being built in Sarpy County
- Housing units authorised by permit, 20241,597
- Declared construction value permitted$367.0 m
- Single family units authorised1,198
- Multifamily units authorised399
- Multifamily share of units25.0 percent
- Average declared value per unit$229,806
- Units authorised per 1,000 households21.6
Multifamily is 25.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sarpy County
How much SBA lending happens in Sarpy County
- 7(a) approvals recorded216
- 7(a) gross approval dollars$122.6 m
- Average 7(a) approval$567,661
- Median 7(a) approval$243,400
- 10th percentile approval$32,000
- 90th percentile approval$1,695,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,054
- Jobs per approval14.1
- Distinct 7(a) lenders active47
- Distinct industries receiving approvals85
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.8 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter185
- Franchise loans33
- Franchise share of approvals15.3 percent
- Leading industry by approval countLandscaping Services (13)
- Most active lenderUnion Bank and Trust Company (21)
- 504 approvals recorded64
- 504 gross approval dollars$60.4 m
- Average 504 approval$943,172
- Median 504 approval$682,000
- Distinct CDCs active5
- 504 jobs per approval16.8
- 504 jobs per million dollars approved17.8
- Most active CDCNebraska Economic Development Corporation (58)
- 7(a) share of SBA approvals77.1 percent
- Combined SBA approval dollars$183.0 m
The average approval of $567,661 sits well above the median of $243,400, 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. Only 8.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Sarpy County
Do SBA loans in Sarpy County get paid back
- Loans with a final outcome recorded46
- Paid in full42
- Charged off4
- Charge off rate on resolved loans8.7 percent
- Status: Paid in full42
- Status: Cancelled18
- Status: Exempt from disclosure143
- Status: Charged off4
- Status: Committed, not yet disbursed9
Of the 46 loans that have reached a final outcome, 8.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sarpy County
Which parts of Sarpy County get the lending
- Places in the county with recorded lending8
- PAPILLION, approvals62
- BELLEVUE, approvals50
- OMAHA, approvals38
- La Vista, approvals29
- GRETNA, approvals27
- SPRINGFIELD, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PAPILLION | 62 | $25,870,300 |
| BELLEVUE | 50 | $24,196,400 |
| OMAHA | 38 | $31,717,600 |
| La Vista | 29 | $22,764,300 |
| GRETNA | 27 | $11,085,100 |
| SPRINGFIELD | 5 | $5,430,700 |
| LaVista | 4 | $1,500,300 |
| HARLAN | 1 | $50,000 |
PAPILLION accounts for 62 approvals against 50 in BELLEVUE. 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.
Sarpy County
How big is Sarpy County
- Land area239 sq mi
- Rank by land area among Nebraska counties93rd of 93
- Width, east to west24.7 mi
- Height, north to south13.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land826
- Establishments per square mile17.18
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 Sarpy 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 Sarpy County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population197,389
- Households74,097
- Average household size2.66
- Median household income$103,321
- Median age35.7
Common questions
Sarpy County questions, answered from the record.
How many people live in Sarpy County, Nebraska?
197,389, in 74,097 households, ranking 3rd of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sarpy County growing?
The population has grown 7.46 percent since the 2020 census base. In 2024 there were 2,402 births against 1,296 deaths, with net migration of 3,247. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sarpy County?
$103,321. The median owner-occupied home is valued at $314,100, which is 3.0 times income, and median gross rent is $1,334 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sarpy County?
4,106 establishments, employing 62,801 people with an annual payroll of $3.43 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Sarpy County?
Average annual pay is $58,661, or $1,128 a week, across 80,883 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sarpy County?
216 7(a) approvals totalling $122.6 m since FY2020, across 47 lenders, with a median approval of $243,400, plus 64 504 approvals worth $60.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sarpy County get paid back?
Of the 46 loans that have reached a final outcome, 42 were paid in full and 4 charged off, a charge off rate of 8.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Sarpy County?
1,597 housing units were authorised by permit in 2024, with a declared construction value of $367.0 m. Multifamily was 25.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sarpy 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 Sarpy County come from?
The largest single origin is Sarpy County Non-migrants, with 71,526 households. Arriving households report an average income of $71,487 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 Sarpy 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 Sarpy 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.