68845Kearney, Nebraska

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 68845.

Area Score unavailable

Missing required signal: climate. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 30% of 6,210 published ZIP areas65
SchoolsTop 18% of 4,422 published ZIP areas77
GrowthTop 37% of 5,428 published ZIP areas58
Housing affordabilityTop 26% of 6,685 published ZIP areas93
Physical resilience5466th of 6,709 published ZIP areas24
Access6658th of 6,791 published ZIP areas43
Economic stabilityTop 25% of 6,742 published ZIP areas73
The quick read

Unemployment is 2.9% and median household income $76,978, putting employment conditions in the middle range of published ZIP profiles.

107 housing units were authorized over the past twelve months, within 5% of the prior year — steady rather than turning.

Physical-risk exposure is above the national median, driven mainly by hail, inland flooding and strong wind.

At a glance

Population
20,536
2024 ACS 5-Year
Median household income
$76,978
Top 42% nationally
Density
166/sq mi
123.7 sq mi of land
Median age
34.7
2024 ACS 5-Year
City
Kearney
Nebraska
Metro area
Kearney, NE
Nearest major airport
LBF
84 mi · North Platte Rgnl/Lee Bird Fld
Median home value
$282,000
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 2.9% is lower than 97% of the 6,544 measured US ZIP areas.

Employment fell 2.0% over the past year, to 19,497 employed residents.

41% of adults hold a four-year degree, higher than 80% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$5,394$76,978Top 42%2024 ACS 5-Year
Per capita income ±$2,261$42,181Top 33%2024 ACS 5-Year
Poverty rate9.2%Bottom 43%2024 ACS 5-Year
Average commute16.1 minBottom 5%2024 ACS 5-Year
Bachelor's degree or higher41.2%Top 20%2024 ACS 5-Year
Employment19,497Bottom 18%June 2026
Employment change (3 years)0.3%Top 46%June 2026
Employment change (year over year)-2.0%Bottom 18%June 2026
Labor force20,080Bottom 18%June 2026
Labor force participation71.0%Top 12%2024 ACS 5-Year
Unemployment change (year over year)0.1%Top 47%June 2026
Unemployment rate2.9%Bottom 3%June 2026
Median household income, successive ACS releases
202120222023202477k71k
Each point is a separate five-year estimate, most recently $76,978 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Kearney, NE, the city containing this ZIP code.

60% of students met the state standard in mathematics and 58% in reading, across the schools here that reported results.

There are 15.9 students for every full-time teacher, more than in most measured places.

Public schools
11
2024-25 school year
Students per teacher
15.9
across all schools here
Math proficiency
59.7%
Top 12% in Nebraska
Reading proficiency
57.7%
Top 21% in Nebraska
SchoolDistrictStudentsPer teacherMathReading
KEARNEY HIGH SCHOOLKEARNEY PUBLIC SCHOOLS1,66318.3
HORIZON MIDDLE SCHOOLKEARNEY PUBLIC SCHOOLS64815.157%57%
KENWOOD ELEMENTARY SCHOOLKEARNEY PUBLIC SCHOOLS39815.947%45%
KEARNEY EDUCATION CENTERKEARNEY PUBLIC SCHOOLS33222.1
CENTRAL ELEMENTARY SCHOOLKEARNEY PUBLIC SCHOOLS28414.957%47%
BUFFALO HILLS ELEMENTARYKEARNEY PUBLIC SCHOOLS27217.070%64%
WINDY HILLS ELEMENTARY SCHOOLKEARNEY PUBLIC SCHOOLS25917.368%71%
PARK ELEMENTARY SCHOOLKEARNEY PUBLIC SCHOOLS25717.171%71%
GLENWOOD ELEMENTARY SCHOOLKEARNEY PUBLIC SCHOOLS11814.857%55%
WEST KEARNEY HIGH SCHOOLWEST KEARNEY HIGH SCHOOL653.6
HANNY ARRAM CENTERKEARNEY PUBLIC SCHOOLS20.3

29.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Nebraska’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $931 takes 15% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.7 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
14.5%
Below the 30% cost-burdened threshold
Home price to income
3.7×
median home value ÷ median income
Median gross rent
$931
2024 ACS 5-Year
Median home value
$282,000
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.66Top 35%2024 ACS 5-Year
Homeownership rate59.2%Bottom 15%2024 ACS 5-Year
Housing units ±4279,006Top 18%2024 ACS 5-Year
Median gross rent ±$37$931Bottom 41%2024 ACS 5-Year
Median home value ±$12,632$282,000Top 36%2024 ACS 5-Year
Rent as a share of income14.5%Bottom 27%2024 ACS 5-Year
Vacancy rate4.9%Bottom 22%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
58/ 100
Top 37% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 3.1 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
107
12 months ending July 2026
Per 1,000 residents
3.1
Top 46% nationally
Year over year
+5%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Kearney, NE, the city containing this ZIP code.

Physical risk

24 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hail, inland flooding and strong wind.

HailHigh
Strong windHigh
DroughtModerate
Ice stormModerate
LightningModerate
TornadoHigh
Heat waveModerate
Inland floodingModerate

Low or minimal exposure: winter weather, wildfire, earthquake, landslide, cold wave.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Buffalo County records 0.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 13.2 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 5.1 per 100,000 residents in Buffalo County.

Homicide
0.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.2
per 100,000 residents · under 10 deaths
Drug overdose
5.1
per 100,000 residents · under 10 deaths
Suicide
18.4
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Buffalo County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 68845 rather than 68845 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

1 major airport lies within 100 miles, the nearest 84 miles away.

AirportCodeDistanceLongest runway
North Platte Rgnl/Lee Bird FldLBF84 mi8,001 ft
LincolnLNK127 mi8,649 ft
Eppley AirfieldOMA176 mi9,502 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

68845 vs Kearney

How this ZIP area compares with Kearney as a whole. Both figures come from the same ACS release, so the comparison is like for like.

68845
Kearney
Median household income
$76,978
vs
$69,724
Per capita income
$42,181
vs
$37,716
Population density
166/sq mi
vs
2,277/sq mi
Median home value
$282,000
vs
$244,600
Median gross rent
$931
vs
$949
Homeownership rate
59.2%
vs
60.6%
Bachelor's degree or higher
41.2%
vs
36.5%
Poverty rate
9.2%
vs
12.4%
Median age
34.7
vs
32.8

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.