AcreScore โ€” What's this?
68/ 100

Harlan County, NE

A solid choice for building in Central. Defined zoning, low flood risk, and very affordable land.

๐Ÿ“Š68/100AcreScore
๐Ÿ’ฐ$3KLand $/acre
๐Ÿ $80KHome Value
๐Ÿ‘ฅ3,380Population
๐Ÿ“ˆ+0.5%Growth (10yr)
๐ŸŒŠ5%Flood RiskLow
๐ŸŒก๏ธSouth-central NE.ClimateZone 5b

๐Ÿ—๏ธ Can You Build Here?

Harlan County has local zoning regulations. Check with the county building department for specific rules on your parcel. Barndominiums may require conditional use permits in some zones.

ZoneMin LotBarndo OK?
ResidentialVariesโš ๏ธ Conditional
AgriculturalNoneโœ… Yes
CommercialVariesโŒ No

Harlan County has local zoning. Contact the county building department for specific regulations.

๐Ÿ“‹ What Permits Do You Need?

Most states allow owner-builders to act as their own general contractor for personal residences. Check Nebraska requirements โ€” licensed subs are typically needed for electrical, plumbing, and HVAC.

Required Permits

  • โ€ข Building permit (residential)
  • โ€ข Septic permit (if no public sewer)
  • โ€ข Electrical permit
  • โ€ข Plumbing permit

Permit Office

Harlan County Building Department Alma, NE Contact county clerk for current hours and requirements

๐ŸŒŠ What's the Flood & Soil Risk?

Very low flood risk. Only 5% of Harlan County land falls within FEMA-designated flood zones โ€” well below the national average.

5%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey

๐Ÿ’ฐ What Does It Cost?

Extremely affordable. Median land prices around $3,000 per acre make Harlan County one of the most budget-friendly options in Nebraska.

$3K
Median $/acre
$80K
Median Home Value
$120โ€“200
Build Cost $/sqft
1.5%
Property Tax Rate

Source: U.S. Census Bureau ACS 2024, Harlan County Assessor

๐Ÿ”๏ธ Why People Love Living Here

Harlan County sits in the heart of Central. Alma is 5 min away. Nebraska has a state income tax โ€” factor that into your cost-of-living calculations.

๐Ÿ—๏ธ

Affordable Land

Median land at $3,000/acre means you can buy more, build bigger, and still stay under budget.

๐Ÿ 

Established Community

Zoning provides predictability โ€” you know what your neighbors can and can't build. Good for long-term property value.

At a Glance

Population3,380
10-Year Growth+0.5%
County SeatAlma
State Income TaxYes
ClimateSouth-central NE. (Zone 5b)

How Close Is Everything?

Alma5 min
Kearney Regional Airport60 min
Austinvaries

๐Ÿ’ง Utilities & Infrastructure

Most rural Harlan County land uses well water and septic systems. Municipal utilities are available near Alma. Check with local utility providers for your specific parcel.

Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas

๐Ÿฆ Financing & Incentives

Harlan County qualifies for USDA Rural Development loans โ€” zero-down-payment financing for eligible buyers in most areas.

โœ… USDA Eligible
Zero down payment
FHA / VA
Available county-wide
1.5%
Property tax rate

Check USDA eligibility for your address โ†’

๐Ÿ“ Nearby Counties

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โ“ Frequently Asked Questions

Can I build a barndominium in Harlan County?
Check with the Harlan County Building Department for specific zoning rules on your parcel. Some zones allow barndominiums outright, others may require conditional use permits.
How much does land cost in Harlan County?
Median price is approximately $3,000 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is Harlan County eligible for USDA Rural Development loans?
Yes โ€” most of Harlan County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in Harlan County?
The effective property tax rate is approximately 1.5%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Harlan County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Nebraska, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.