Population & age
- Total population
- 195
- Median age
- 24.0
Heartwell, NE (68945)
Kearney County · Population 195
Fresh.Data current as of Apr 24, 2026
Heartwell, NE (ZIP 68945) sits in Kearney County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 7.3%. No NCES schools are mapped to this ZIP in the current dataset. 1 college or university serves the area, with median in-state tuition of $37,770. IRS data shows average household income (AGI) of $83,083, well above the ~$45K national average per return. Average annual pay across local establishments runs $81,421 per worker (Census ZBP) — a high-wage local economy. BLS QCEW reports average annual pay of $48,822 per worker, roughly 25% below the US average. BLS LAUS reports county unemployment of just 2.3% (2024), well below the ~4.0% US average and consistent with a tight local labor market. Social vulnerability is low in this ZIP at the 10th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1967 — a high-frequency exposure profile. Nebraska levies a graduated state income tax (top rate 5.20%); a household at the local median AGI of $83,083 would pay roughly $2,592/year before deductions. IRS migration data (2022-2023) shows a net gain of 30 residents (15 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $62,188, fair market rent of $970 for a two-bedroom, and a 22.6% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 100.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Income & housing
- Median household income
- $62,188
- Median home value
- $220,400
Education
- Bachelor's degree or higher (age 25+)
- 12.4%
Employment
- Unemployment rate
- 18.0%
Housing
- Owner-occupied
- 56(56.0%)
- Renter-occupied
- 44(44.0%)
- Vacant units
- 0
- Built (median)
- 1938
Commute
- Public transit
- 2(2.2%)
- Work from home
- 1(1.1%)
- Avg commute
- 21.4 min
Economic wellbeing
- Below poverty line
- 44(22.6%)
- Uninsured
- 18(9.2%)
Digital access
- Broadband access
- 95(95.0%)
- No broadband
- 5(5.0%)
Language & nativity
- Foreign-born
- 21(10.8%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$700
/month
1 Bed
$780
/month
2 Bed
$970
/month
3 Bed
$1,220
/month
4 Bed
$1,320
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
226
Across 84 permitted buildings. Total construction value: $50.6M.
Single-family
62
27% of total units
Multifamily (2+ unit)
164
73% of total units
Single-family value
$21.8M
construction value
Multifamily value
$28.8M
construction value
Apartment construction (5+ unit buildings) accounts for 58% of new units this year — the area is densifying, not just adding single-family stock.
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
120
Average AGI
$83,083
Avg property tax
—
EITC participation
—
Income distribution
- $1 – $25,00025.0% · 30
- $25,000 – $50,00025.0% · 30
- $50,000 – $75,00025.0% · 30
- $75,000 – $100,0000.0% · 0
- $100,000 – $200,00025.0% · 30
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
$1,250
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $10.0M across all reported brackets.
Business & employment
Business establishments
4
Total employment
19
Annual payroll
$1.5M
Average annual pay
$81,421
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$48,822
Average weekly wage
$939
Total employment
1,999
Total establishments
208
That is roughly 25% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
2.3%
That is 1.7 percentage points below the US national unemployment rate of about 4.0%.
Labor force
3,412
Employed
3,334
Unemployed
78
Based on Kearney County, NE data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
21
Date Range
1967–2022
Most Recent Declaration
SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
Severe Storm — declared February 23, 2022 (DR-4641)
Incident period: December 15, 2021 – December 15, 2021
Top Incident Types
- Severe Storm13 (62%)
- Flood4 (19%)
- Biological2 (10%)
- Hurricane1 (5%)
- Severe Ice Storm1 (5%)
Individual Assistance
3
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
21
Repair of public facilities & roads
Hazard Mitigation
14
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
50.5°F
39.3° – 61.7°
Annual precipitation
25.7"
Annual snowfall
24.8"
Heating · cooling days
6,241 · 994.4
Annual base 65°F
Nearest station: MINDEN, NE US, 9.9 miles from the centroid of Heartwell, NE (ZIP 68945)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
6,258
That is roughly 1,942 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
16%
of adults self-report
Poor physical health days
3.6
avg per adult per month
Poor mental health days
4.7
avg per adult per month
Uninsured
6.5%
of residents under 65
Primary care MDs
30
per 100,000 residents
Preventable hospital stays
1,337
per 100K Medicare enrollees
Food environment (0-10)
8.8
10 = best access & security
Exercise access
61%
residents near a facility
Flu vaccinated
34%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Kearney data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
2.5% of Kearney County, NE residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
—
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.60
accepting food benefits
Fast-food restaurants
0.45
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Kearney County, NE for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 6 reports
Property crime rate
—
per 100K residents · 27 reports
Homicide
0
Robbery
1
Burglary
6
Vehicle theft
4
County-level data for Adams (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+30 people
+15 households • +$997K net AGI flow
Moved in
172households
305 people • $9.3M AGI
Moved out
157households
275 people • $8.3M AGI
Where new residents came from
- Buffalo County, NE — 91 households
Where departing residents went
- Buffalo County, NE — 69 households
Incoming households reported an average AGI of $54,326 versus departing households' $53,166.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Nebraska
State-level rules that apply to every resident of ZIP 68945. Numbers reflect the most recent published year per source.
Tax rates
Income tax
5.20%
graduated · 3 brackets
Sales tax (combined)
6.98%
State 5.50% · avg local 1.48%
Property tax (effective)
1.20%
Median $2,115/year
Tax burden rank
33 of 50
10.80% of personal income
For ZIP 68945: At this ZIP's median AGI of $83,083, the estimated state income tax (before deductions) runs about $2,592 per year. Applied to this ZIP's typical home value of $220,400, that works out to roughly $2,650/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
165% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). Asset limit $25,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 68945
Nearby ZIPs by distance
68956 (Kenesaw, 6.6 mi) · 68950 (Holstein, 9.3 mi) · 68959 (Minden, 9.4 mi) · 68955 (Juniata, 12.4 mi) · 68973 (Roseland, 13.7 mi) · 68840 (Gibbon, 14.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
38.6%
5.6pp above the 33.0% national rate.
High Blood Pressure
31.1%
Tracks close to the 32.0% national rate.
Depression
17.6%
4.4pp below the 22.0% national rate.
Annual Checkup
75.9%
Tracks close to the 76.0% national rate.
Health Insurance
7.3%
5.7pp below the 13.0% national rate.
Diabetes
10.1%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
1
Median in-state tuition
$37,770
Median earnings (10 yr)
$51,303
- 4-Year
Hastings College
Hastings, NE · 68901
- In-state tuition
- $37,770
- Out-of-state tuition
- $37,770
- Acceptance rate
- 71.7%
- Graduation rate
- 51.2%
- Median earnings (10 yr)
- $51,303
- Median student debt
- $27,000
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Heartwell, NE (ZIP 68945) sits in Kearney County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 7.3%. No NCES schools are mapped to this ZIP in the current dataset. 1 college or university serves the area, with median in-state tuition of $37,770. IRS data shows average household income (AGI) of $83,083, well above the ~$45K national average per return. Average annual pay across local establishments runs $81,421 per worker (Census ZBP) — a high-wage local economy. BLS QCEW reports average annual pay of $48,822 per worker, roughly 25% below the US average. BLS LAUS reports county unemployment of just 2.3% (2024), well below the ~4.0% US average and consistent with a tight local labor market. Social vulnerability is low in this ZIP at the 10th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1967 — a high-frequency exposure profile. Nebraska levies a graduated state income tax (top rate 5.20%); a household at the local median AGI of $83,083 would pay roughly $2,592/year before deductions. IRS migration data (2022-2023) shows a net gain of 30 residents (15 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $62,188, fair market rent of $970 for a two-bedroom, and a 22.6% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 17.6%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 68945
What is the obesity rate in ZIP 68945?
38.6%, which is 5.6 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 68945?
17.6%, which is 4.4 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 68945?
31.1%, which is 0.9 percentage points below the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 68945?
195 people live in ZIP 68945, with a median age of 24.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 68945?
$62,188 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 68945 mostly renters or homeowners?
In ZIP 68945, 56.0% of occupied housing units are owner-occupied and 44.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 68945?
In ZIP 68945, 1.1% of workers work from home. Public transit is used by 2.2% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 68945?
22.6% of the population in ZIP 68945 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 68945 have broadband internet?
95.0% of households in ZIP 68945 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 68945?
The average Adjusted Gross Income reported on tax returns from ZIP 68945 (Heartwell, NE) is $83,083 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 68945?
Tax returns from ZIP 68945 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 68945 earn over $200,000?
0.0% of tax returns from ZIP 68945 (Heartwell, NE) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 68945?
As of 2022, 4 business establishments operated in ZIP 68945 employing 19 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 68945?
The average annual pay across all local establishments in ZIP 68945 is $81,421, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 68945 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 68945 ranks in the 10th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 68945?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 68945, ranking in the 19th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 68945 experienced?
FEMA has recorded 21 federal disaster declarations affecting ZIP 68945 between 1967–2022 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 68945?
Severe Storm is the most common federally declared disaster type affecting ZIP 68945, accounting for 13 of 21 declarations (62%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 68945?
The most recent FEMA disaster declaration affecting ZIP 68945 was "SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES" — a severe storm declared in 2022 (DR-4641) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 68945?
1 college or university is listed near ZIP 68945 by the U.S. Department of Education College Scorecard, including Hastings College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 68945?
Median in-state tuition across 1 nearby institution is $37,770 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 68945?
Graduates of nearby colleges earn a median of $51,303 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 68945?
ZIP 68945 has an average annual temperature of 50.5°F and 25.7" of annual precipitation based on the MINDEN, NE US weather station 9.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 68945?
Nebraska has a graduated income tax with a top rate of 5.20%. Households at the local median AGI of $83,083 would pay roughly $2,592 in state income tax annually (estimated, before deductions). Combined sales tax: 6.98% (Tax Foundation 2025).
Does Nebraska have paid family leave?
Nebraska has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 68945?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (1 institution), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (21 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (21 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 68945
Nearby ZIPs by distance
68956 (Kenesaw, 6.6 mi) · 68950 (Holstein, 9.3 mi) · 68959 (Minden, 9.4 mi) · 68955 (Juniata, 12.4 mi) · 68973 (Roseland, 13.7 mi) · 68840 (Gibbon, 14.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 68945?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
10th percentile
Low Vulnerability
Based on 2 census tracts, population 322
Vulnerability Themes
Households Without Vehicle
4
Persons with Disability
29
Without HS Diploma
4
Without Health Insurance
27
Adults Age 65+
56
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.