68944 ZIP Code — Harvard, NE

Clay County, Nebraska

ZIP code 68944 is located in Harvard, Nebraska, within Clay County. It covers approximately 108.20 square miles and serves a population of 1,307 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 402.

About ZIP code 68944

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $109,200. Owner-occupancy is high at 77%, well above the national average.

Median household income is $73,056. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 24 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 68944 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,307

population

108.20

sq mi land

Standard

ZIP type

Central (CT)

timezone

68944 ZIP code map

Cities in ZIP code 68944

Below are the cities the US Postal Service accepts for ZIP code 68944. Using any city not on this list may result in mail delivery delays.

City	Status
Harvard	Preferred

Nearby ZIP codes

68933 Clay Center (8.6 mi) 68980 Trumbull (9.2 mi) 68841 Giltner (10.3 mi) 68979 Sutton (11.3 mi) 68818 Aurora (13.6 mi) 68365 Grafton (16.1 mi) 68938 Fairfield (16.8 mi) 68371 Henderson (17.1 mi) 68941 Glenvil (17.2 mi) 68901 Hastings (17.8 mi) 68934 Deweese (17.9 mi)

Demographics updated 05/2026

Population
Total population	1,307
Population density	12 / sq mi
State FIPS	31
County FIPS	035

Geography
Land area	108.20 sq mi
Water area	0.25 sq mi
Latitude	40.6332
Longitude	-98.0535
Timezone	Central (CT)
Area code	402

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	38.1%	39.5%
$50k – $100k	39.2%	39.1%	33.4%
$100k – $200k	18.9%	19.3%	22.0%
Over $200k	1.5%	3.5%	5.2%

Demographics & statistics

1,307

Population

People per sq mi

38.0

Median age

$73,056

Median household income

$33,039

Per capita income

$109,200

Median home value

$623

Median monthly rent

77.2%

Home ownership

14.1%

Poverty rate

1.5%

Unemployment

479

Housing units

18.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

104

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	346	26.5%
18 and over	961	73.5%
65 and over	257	19.7%
Median age	38.0 years

Race & ethnicity

White 69.8%

Hispanic or Latino 14.5%

Other race 9.1%

Two or more races 6.1%

Black or African American 0.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,067	69.8%
Hispanic or Latino	222	14.5%
Other race	139	9.1%
Two or more races	93	6.1%
Black or African American	7	0.5%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	38.1%	39.5%
$50k – $100k	39.2%	39.1%	33.4%
$100k – $200k	18.9%	19.3%	22.0%
Over $200k	1.5%	3.5%	5.2%

Under $10k 2.5%

$10k–$15k 3.0%

$15k–$25k 9.8%

$25k–$35k 7.4%

$35k–$50k 6.4%

$50k–$75k 23.6%

$75k–$100k 19.6%

$100k–$150k 18.5%

$150k–$200k 7.0%

$200k+ 2.3%

Range	% of households
Under $10k	2.5%
$10k–$15k	3.0%
$15k–$25k	9.8%
$25k–$35k	7.4%
$35k–$50k	6.4%
$50k–$75k	23.6%
$75k–$100k	19.6%
$100k–$150k	18.5%
$150k–$200k	7.0%
$200k+	2.3%
Median income	$73,056

Housing

Home values

Under $50k 16.1%

$50k–$100k 30.1%

$100k–$150k 19.3%

$150k–$200k 13.7%

$200k–$300k 8.3%

$300k–$500k 12.5%

Housing overview

Metric	Value
Median home value	$109,200
Median rent / month	$623
Owner occupied	77.2%
Renter occupied	22.8%
Vacant	11.7%
Single-family detached	79.5%
Large apartment buildings	0.5%
Mobile homes	1.2%
Median rooms	6.8
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.0%
2010–2019	1.2%
2000–2009	5.0%
1990–1999	5.0%
1980–1989	5.0%
1970–1979	20.8%
1960–1969	12.8%
1950–1959	6.8%
1940–1949	19.8%
1939 or earlier	23.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	4.0%
2 bedrooms	29.7%
3 bedrooms	30.8%
4 bedrooms	24.7%
5+ bedrooms	8.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	20.9%
2 vehicles	43.4%
3 or more	33.4%

Heating fuel

Fuel type	%
Utility gas	53.8%
Electricity	39.2%
Propane / LP gas	3.0%
Wood	0.6%

Households & families

Household type	Count	%
Married-couple family	290	54.7%
Cohabiting couple	30	5.7%
Male householder, no spouse	62	11.7%
Female householder, no spouse	148	27.9%
Households with children under 18	204	38.5%
Households with seniors (65+)	168	31.7%
Average household size	2.41

Marital status

Status	Male	Female
Never married	25.6%	13.9%
Married	64.7%	52.0%
Separated	0.0%	3.5%
Widowed	2.0%	12.5%
Divorced	7.7%	18.1%

Education

Less than 9th grade 7.0%

Some HS, no diploma 5.1%

HS graduate 34.6%

Some college, no degree 25.1%

Associate's degree 9.4%

Bachelor's degree 12.1%

Graduate / professional 6.8%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	18.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	1.9%
Kindergarten	13	4.2%
Elementary school	182	59.1%
High school	69	22.4%
College / grad school	38	12.3%

Employment

Industry of employment

Education & healthcare 31.2%

Manufacturing 17.2%

Construction 10.0%

Retail trade 8.8%

Wholesale trade 7.3%

Agriculture & mining 6.8%

Arts, food & hospitality 4.9%

Transportation & utilities 3.8%

Other services 3.7%

Finance & real estate 2.6%

Public administration 2.0%

Professional & management 1.2%

Information 0.5%

Occupation

Category	%
Management, business & arts	36.1%
Service	22.8%
Sales & office	16.6%
Natural resources & construction	7.2%
Production & transportation	17.4%

Employment type

Type	%
Private sector	76.9%
Government	14.3%
Self-employed	8.5%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	80.2%
Carpool	9.6%
Public transit	0.0%
Walk	4.7%
Work from home	4.3%
Other means	1.2%
Avg commute (minutes)	24.1

Poverty

All people 14.1%

Under 18 years 24.0%

18 and over 10.4%

Married-couple families 2.8%

Female-led households 42.4%

Income support

Source	% of households
Social Security	30.6%
Retirement income	21.9%
Supplemental Security	3.6%
Cash public assistance	4.9%
Food stamps / SNAP	10.6%

Health indicators

Condition	%
Obesity	36.9%
High blood pressure	32.8%
High cholesterol	33.8%
Diabetes	10.5%
Heart disease	6.9%
Stroke	3.2%
Asthma	8.5%
Arthritis	25.6%
Kidney disease	3.0%
Pulmonary disease	6.6%
Cancer	7.2%

Behavior / access	%
Smoking	16.7%
Binge drinking	20.3%
No physical activity	24.6%
Less than 7 hrs sleep	27.8%
Depression	16.7%
Fair or poor health	13.4%
Poor mental health	11.6%
Poor physical health	9.9%
No health insurance	16.9%
Visited doctor (checkup)	69.9%
Visited dentist	64.2%
Cholesterol screening	88.1%
Teeth loss	12.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	68	7.1%

Disability	%
Any disability	13.9%
Under 18	5.2%
18–64 years	14.2%
65 and over	26.2%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	29.0%
No insurance	14.4%
Uninsured under 19	13.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,232	94.3%
Spanish	138	11.2%
Other Indo-European	138	11.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,175	89.9%
Born in same state	1,175	89.9%
Born in different state	883	67.6%
Foreign born	0	0.0%
Naturalized citizen	132	10.1%
Not a US citizen	53	40.2%

Ancestry

Ancestry	Count	%
Italian	111	8.5%
French	80	6.1%
Arab	76	5.8%
Polish	11	0.8%

Ancestry	Count	%
Dutch	6	0.5%
German	5	0.4%
English	4	0.3%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	95.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 68944

What city is ZIP code 68944 in?

ZIP code 68944 is primarily assigned to Harvard, Nebraska.

What county is ZIP code 68944 in?

ZIP code 68944 falls within Clay County, Nebraska.

What is the typical home value in ZIP code 68944?

The median home value in ZIP code 68944 is $109,200.

What is the population of ZIP code 68944?

ZIP code 68944 has an estimated population of 1,307 residents, with a density of 12 people per square mile.

What is the median household income in ZIP code 68944?

The median household income in ZIP code 68944 is $73,056, below the national median of ~$75,000.

What timezone is ZIP code 68944 in?

ZIP code 68944 observes the CST timezone.