The story of this market
The typical home in ZIP 68944 sells for about $145,000, or $105 per square foot.
Prices are up +3.5% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $738 a month.
ZIP 68944 — Harvard
The housing market in 68944 remains stable with low inventory and modest price appreciation. Activity is driven by local demand and limited turnover, typical of a small rural community. Figures for active listings and price cuts are based on current portal data, while some specific metrics were not available at the ZIP level.
This ZIP is best suited for families and individuals seeking a quiet, low-cost rural lifestyle with strong community ties and a slower pace of life.
Median prices moved up 3.5% year over year.
Homes spend a median of 88 days on market with 6.0 months of supply — a balanced-paced market.
8% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.4% · poverty 6.6% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 68944, Clay County NE
The area is served by Harvard Public Schools, which maintains a small-town educational environment typical of rural Nebraska.
The region is subject to standard Midwestern weather risks, including severe thunderstorms and occasional tornado activity; flood risk is generally low but varies by specific parcel.
The local economy is primarily driven by agriculture and small-scale local commerce, with limited large-scale industrial development.
Property taxes are assessed by Clay County based on local mill levies that fund school districts, county operations, and municipal services in Harvard.
Commuting is primarily car-dependent, with residents typically driving to nearby employment hubs in Hastings or Grand Island.
Local recreation is centered on community parks and small-town athletic facilities, with access to regional outdoor activities in the surrounding rural landscape.
The rental market is limited in depth, consisting primarily of single-family homes and small multi-family units with low turnover.
The economy is heavily reliant on the agricultural sector, including crop production and livestock, supported by local service businesses.
Transportation is entirely reliant on private vehicles, with no public transit infrastructure available.
There are no major commercial or residential developments currently in the pipeline for this area.
Clay County Assessor manages property valuations based on annual market analysis and state-mandated assessment cycles.
Parcels are subject to levies from Harvard Public Schools and Clay County, with no major MUD or PID districts reported.
Property insurance premiums are influenced by regional weather risks, including hail and wind damage common to the Great Plains.
Data retrieved from census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Adams County Fairgrounds4.316.9 mi
- Hastings Museum4.616 mi
- Edgerton Explorit Center4.716.2 mi
- Bigfoot Crossroads of America Museum4.314.5 mi
- Grand Island Historical Marker4.416.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.