HomeNebraskaScotts Bluff County
Scotts Bluff County, Nebraska: commercial real estate data.
Scotts Bluff County, Nebraska has a population of 35,843 across 739 square miles, down 1.0 percent since the 2020 census base. County output reached $2.38 bn in 2024, 1,017 establishments operate here, and the SBA record carries 27 7(a) approvals worth $13.3 m.
119 sourced county values · tier FULL · 11 sections
Scotts Bluff County
How many people live in Scotts Bluff County
- Population35,843
- Households15,078
- Average household size2.38
- Median household income$63,614
- Median age40.3
- Median gross rent$909 per month
- Median owner-occupied home value$168,500
- Home value to household income2.6 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher27.0 percent
- Adults 25 and over with a graduate degree9.4 percent
- Adults 25 and over24,342
- Population under 188,658
- Share under 1824.2 percent
- Population 65 and over7,493
- Share 65 and over20.9 percent
- Working age population, 18 to 6419,692
- Civilian labor force18,014
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over66.3 percent
- Rank by population among Nebraska counties7th of 93
- Rank by population among US county-equivalents1319th
Scotts Bluff County is the 7th largest of 93 Nebraska counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.2 percent against 20.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Scotts Bluff County
Is Scotts Bluff County growing
- Population change since the 2020 census base-0.99 percent
- Census 2020 base population36,091
- Births, 2024436
- Deaths, 2024427
- Natural change, 20249
- Net domestic migration, 2024-57
- Net international migration, 202461
- Total net migration, 20244
- Cumulative net domestic migration, 2021 to 2024-486
- Rank by growth among US county-equivalents2187th
The county has lost 0.99 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Scotts Bluff County
Where people moving to Scotts Bluff County come from
- Tax returns filed by households arriving773
- People arriving, from those returns1,424
- Adjusted gross income arriving$37.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$48,772
- Largest single originScotts Bluff County Non-migrants (13,092 households)
- Largest single destination (13,092 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scotts Bluff County Non-migrants | 13,092 | 27,101 | $888.6 m |
| Other flows - Different State | 383 | 735 | $19.5 m |
| Other flows - West | 225 | 410 | $12.1 m |
| Other flows - Same State | 190 | 323 | $9.2 m |
| Other flows - South | 94 | 175 | $3.9 m |
| Other flows - Midwest | 64 | 150 | $3.4 m |
| Goshen County | 42 | 69 | $1.8 m |
| Morrill County | 38 | 83 | $1.3 m |
The largest single source of arrivals is Scotts Bluff 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.
Scotts Bluff County
What the Scotts Bluff County economy runs on
- County GDP, 2024$2.38 bn
- County GDP, 2023$2.27 bn
- GDP change, 2023 to 20245.0 percent
- GDP change over five years29.6 percent
- Rank by GDP among Nebraska counties12th
- Rank by GDP among US county-equivalents1134th
- GDP per resident$66,499
Output grew 5.0 percent in the latest year and 29.6 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.
Scotts Bluff County
Who employs people in Scotts Bluff County
- Covered employment, annual average15,975
- Establishments reporting1,217
- Average annual pay$51,713
- Average weekly wage$994
- Sector 62, employment2,559
- Sector 62, average annual pay$63,922
- Sector 44-45, employment2,172
- Sector 44-45, average annual pay$34,024
- Sector 72, employment1,535
- Sector 72, average annual pay$20,345
- Sector 23, employment1,208
- Sector 23, average annual pay$71,778
- Sector 31-33, employment1,037
- Sector 42, employment878
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,559 | 181 | $63,922 |
| Sector 44-45 | 2,172 | 147 | $34,024 |
| Sector 72 | 1,535 | 98 | $20,345 |
| Sector 23 | 1,208 | 114 | $71,778 |
| Sector 31-33 | 1,037 | 35 | $57,651 |
| Sector 42 | 878 | 74 | $73,255 |
| Sector 56 | 551 | 58 | $50,488 |
| Sector 52 | 481 | 68 | $69,232 |
The largest sector is the biggest private employer group at 2,559 jobs, 16.0 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.
Scotts Bluff County
What businesses operate in Scotts Bluff County
- Establishments, all industries1,017
- Employment at those establishments12,822
- Annual payroll$568.9 m
- Establishments per 1,000 residents28.4
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.
Scotts Bluff County
What is being built in Scotts Bluff County
- Housing units authorised by permit, 202444
- Declared construction value permitted$21.3 m
- Single family units authorised44
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$483,672
- Units authorised per 1,000 households2.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Scotts Bluff County
How much SBA lending happens in Scotts Bluff County
- 7(a) approvals recorded27
- 7(a) gross approval dollars$13.3 m
- Average 7(a) approval$491,219
- Median 7(a) approval$195,000
- 10th percentile approval$25,000
- 90th percentile approval$750,000
- Largest single approval$4,845,000
- Jobs reported supported, 7(a)266
- Jobs per approval9.9
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.5 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter19
- Franchise loans4
- Franchise share of approvals14.8 percent
- Leading industry by approval countRoofing Contractors (2)
- Most active lenderPlatte Valley Bank (13)
- 504 approvals recorded15
- 504 gross approval dollars$9.1 m
- Average 504 approval$607,067
- Median 504 approval$273,000
- Distinct CDCs active2
- 504 jobs per approval11.3
- 504 jobs per million dollars approved18.6
- Most active CDCNebraska Economic Development Corporation (13)
- 7(a) share of SBA approvals64.3 percent
- Combined SBA approval dollars$22.4 m
The average approval of $491,219 sits well above the median of $195,000, 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 18.5 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.
Scotts Bluff County
Do SBA loans in Scotts Bluff County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Cancelled2
- Status: Exempt from disclosure16
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Scotts Bluff County
Which parts of Scotts Bluff County get the lending
- Places in the county with recorded lending4
- SCOTTSBLUFF, approvals18
- Gering, approvals7
- Mitchell, approvals1
- MINATARE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SCOTTSBLUFF | 18 | $4,799,900 |
| Gering | 7 | $7,823,000 |
| Mitchell | 1 | $560,000 |
| MINATARE | 1 | $80,000 |
SCOTTSBLUFF accounts for 18 approvals against 7 in Gering. 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.
Scotts Bluff County
How big is Scotts Bluff County
- Land area739 sq mi
- Rank by land area among Nebraska counties32nd of 93
- Width, east to west35.5 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land49
- Establishments per square mile1.38
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 Scotts Bluff 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 Scotts Bluff County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population35,843
- Households15,078
- Average household size2.38
- Median household income$63,614
- Median age40.3
Common questions
Scotts Bluff County questions, answered from the record.
How many people live in Scotts Bluff County, Nebraska?
35,843, in 15,078 households, ranking 7th of 93 Nebraska counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Scotts Bluff County growing?
The population has fallen 0.99 percent since the 2020 census base. In 2024 there were 436 births against 427 deaths, with net migration of 4. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Scotts Bluff County?
$63,614. The median owner-occupied home is valued at $168,500, which is 2.6 times income, and median gross rent is $909 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Scotts Bluff County?
1,017 establishments, employing 12,822 people with an annual payroll of $568.9 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 Scotts Bluff County?
Average annual pay is $51,713, or $994 a week, across 15,975 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Scotts Bluff County?
27 7(a) approvals totalling $13.3 m since FY2020, across 9 lenders, with a median approval of $195,000, plus 15 504 approvals worth $9.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Scotts Bluff County?
44 housing units were authorised by permit in 2024, with a declared construction value of $21.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Scotts Bluff County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Scotts Bluff County come from?
The largest single origin is Scotts Bluff County Non-migrants, with 13,092 households. Arriving households report an average income of $48,772 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 Scotts Bluff 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 Scotts Bluff 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.