Median Income
$57,321
24% lower than US avg
Home Value
$83,800
70% lower than US avg
Violent Crime
84/100K
78% lower than US avg
Bachelor's+
8.4%
75% lower than US avg
Median Rent
$824
29% lower than US avg
Obesity Rate
39.7%
24% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
5.2%
58% lower than US avg
How Silver Creek Compares to the U.S. Average (100% = U.S. avg)
People
Population341
Median Age46.8 yrs
Density1,218/mi²
Male / Female58% / 42%
Largest GroupWhite 95%
Veterans10.3%
Economy
A
Median Income$57,321
Per Capita$36,864
Unemployment0.0%
Poverty5.2%
County GDP$467M
Commute22 min
Housing
A+
Home Value$83,800
Rent$824
Ownership78.0%
Zillow$211,541
Housing Units228
Rent Burden11.6%
Crime
F
Violent84/100K
Property1,702/100K
Health
Obesity39.7%
Uninsured9.5%
Smoking16.1%
Depression19.2%
Heart Disease5.5%
Climate
Avg Temp50°F (10°C)
AQI32 (Good)
Rain27.7 in/yr
Sunny Days308/yr
Elevation1,549 ft (472 m)
Education
D
Bachelor's+8.4%
High School+95.9%
Graduate+3.6%
School Score5.94
Community
2024 VoteR 81% / D 18%
Commute22 min
Broadband85.3%
EV Stations1
Libraries4
Is Silver Creek a Good Place to Live?
Based on current data, Silver Creek receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Silver Creek has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Silver Creek is $57,321, 24% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 5.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Silver Creek is $83,800, 70% below the national median / offering relatively affordable homeownership. Renters pay a median of $824 per month, below the national average / a plus for affordability. At just 1.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Silver Creek is a very safe community with a violent crime rate of 84 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,702 per 100,000, near the national average.
Education
8.4% of residents hold a bachelor's degree, below the national average of 33.7%. 95.9% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Silver Creek experiences four distinct seasons with an average temperature of 50°F. Winters average 24°F in January while summers reach 75°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 27.7 inches, including 28.9 inches of snow. Air quality is rated Good with a median AQI of 32.
Silver Creek has a population of 341 with a density of 1,218 people per square mile, spread across 0.3 square miles. The median age is 46.8 years, 20% older than the national median of 38.9. The gender split is 41.6% female and 58.4% male. The city is predominantly White (95%). English is the primary language spoken at home by 96.5% of residents. 10.3% of the population are veterans, above the national rate of 6.0%. 18.5% of residents have a disability (above the 13.0% national average). 90.1% have health insurance coverage.
Population
46.8yrs
Median Age
20% above US avg
Race & Ethnicity
Silver Creek vs U.S. Average
Language Spoken at Home
English Only
96.5%
23% above US avg
Spanish
3.5%
74% below US avg
Social Characteristics
Silver Creek vs U.S. Average
The median household income in Silver Creek is $57,321, which is 24% below the national average of $75,149. Per capita income is $36,864. The average weekly wage is $914, 36% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 5.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 172 business establishments, including 6 restaurants. The cost of living index is 90.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 1.7% of workers work from home (below the 15.2% national rate).
Income: Silver Creek vs U.S.
Income
| Median HH Income | $57,321 |
| 24% below US avg |
| Per Capita Income | $36,864 |
| Avg Weekly Wage | $914 |
| IRS Avg AGI | $77,206 |
| Gini Index | 0.382 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 5.2% |
| 58% below US avg |
| Establishments (County) | 172 |
| County GDP | $467M |
Business (County)
| Restaurants | 6 |
| Healthcare | 9 |
| Retail | 17 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $2,950 |
| 16% below US avg |
| Cost of Living | 90.10 (100=avg) |
| Effective Tax Rate | 3.52% |
Commute & Transportation
| Commute Time | 21.5 min |
| Drive Alone | 87.8% |
| Public Transit | 1.3% |
| Work from Home | 1.7% |
The median home value in Silver Creek is $83,800, 70% below the national median of $281,900. Zillow estimates the typical home value at $211,541, higher than the Census estimate. Monthly rent averages $824 (29% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $1,001 for a two-bedroom apartment. 78.0% of housing units are owner-occupied (above the 65.4% national rate). There are 228 total housing units in the city. The median year a home was built is 1961. The average annual property tax is $2,950 (lower than the $3,500 national average). 11.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.5x, well within the affordable range.
Home Values
| Census Median | $83,800 |
| 70% below US avg |
| Zillow ZHVI | $211,541 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $824 |
| 29% below US avg |
| Rent Burden | 11.6% |
HUD Fair Market Rent
| Studio | $706 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $1,001 |
| 3 Bedrooms | $1,274 |
| 4 Bedrooms | $1,409 |
Ownership & Property
| Homeownership | 78.0% |
| Owner-Occupied | 78.0% |
| Renter-Occupied | 22.0% |
| Housing Units | 228 |
| Median Year Built | 1961 |
Property Tax
| Avg Tax (IRS) | $2,950 |
| 16% below US avg |
| Effective Rate | 3.52% |
In Silver Creek, 39.7% of adults are obese, above the national rate of 32.1%. 9.3% have diabetes. Heart disease affects 5.5% of residents. 30.3% have high blood pressure. 16.1% are current smokers. 22.9% report binge drinking. 27.2% are physically inactive. 19.2% report depression. 16.1% experience frequent mental distress. 9.5% of residents lack health insurance. The primary care physician ratio is 1:1,725. The dentist ratio is 1:2,583. 29.3% of residents have access to exercise opportunities. The food environment index is 8.7 out of 10.
Health Metrics: Silver Creek vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.7% |
| 24% above US avg |
| Diabetes | 9.3% |
| Heart Disease | 5.5% |
| High Blood Pressure | 30.3% |
| Asthma | 9.4% |
| COPD | 6.2% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.1% |
| 15% above US avg |
| Binge Drinking | 22.9% |
| Physical Inactivity | 27.2% |
| Depression | 19.2% |
| Mental Distress | 16.1% |
| Physical Distress | 12.2% |
| Short Sleep | 32.9% |
Healthcare Access
| Insurance Rate | 90.1% |
| Uninsured | 9.5% |
| 10% above US avg |
| Primary Care | 1:1,725 |
| Dentists | 1:2,583 |
| Mental Health | 1:2,614 |
| Checkup Rate | 72.4% |
| Dental Visits | 58.8% |
| Premature Death | 7,162/100K |
Food & Exercise
| Food Environment | 8.7/10 |
| Exercise Access | 29.3% |
| Healthcare Facilities | 9 |
Silver Creek has a violent crime rate of 84 per 100,000 residents, 78% below the national average of 380. Property crime stands at 1,702 per 100,000, 13% below the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Silver Creek receives a safety grade of F.
Crime Rates: Silver Creek vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 84.0/100K |
| 78% below US avg |
| |
Property Crime
| Total Property | 1,702.5/100K |
| 13% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Traffic Accidents | 2 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Silver Creek experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 24°F in January while summers reach 75°F in July. The area gets 308 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 27.7 inches (drier than the 38-inch national average). The area receives 28.9 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 32. The city sits at an elevation of 1,549 feet.
Temperature
24°F Jan (-5°C)
75°F Jul (24°C)
| Annual Average | 50.1°F |
| 7% below US avg |
| January Average | 24°F (-5°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 1,549 ft (472 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 1,218/sq mi |
| Coordinates | 41.3153°N, 97.6651°W |
| Timezone | America/Chicago |
| County | Polk County County |
| Nearest Airport | Central Nebraska Regional (GRI)
41 miles away |
Precipitation & Snow
Annual Rainfall
27.7"
27% below US avg
Wettest Month (May)
4.29"
Air Quality
| AQI Median | 32.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 25.7 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 61.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively High |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
17 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M2.8 on Feb 24, 2025.
| Feb 6, 1996 |
1 km N of Wausa, Nebraska |
M3.6 |
134 km |
| Aug 9, 1997 |
9 km NW of Clarkson, Nebraska |
M3.4 |
67 km |
| Sep 18, 2023 |
Nebraska |
M3.4 |
138 km |
| Jun 20, 2002 |
8 km NE of Scotia, Nebraska |
M3.3 |
83 km |
| Jul 18, 1990 |
10 km SSW of Ord, Nebraska |
M3.0 |
110 km |
| Mar 17, 2023 |
8 km E of Cowles, Nebraska |
M2.9 |
140 km |
| Aug 22, 2023 |
11 km N of Guide Rock, Nebraska |
M2.9 |
138 km |
| Jul 1, 2023 |
11 km E of Cowles, Nebraska |
M2.9 |
138 km |
| Jan 1, 2020 |
2 km E of Chambers, Nebraska |
M2.8 |
132 km |
| Sep 19, 2023 |
9 km E of Cowles, Nebraska |
M2.8 |
139 km |
| Feb 24, 2025 |
7 km ENE of Cowles, Nebraska |
M2.8 |
138 km |
| Feb 5, 2025 |
8 km SSE of Tilden, Nebraska |
M2.7 |
75 km |
| Sep 19, 2023 |
10 km E of Cowles, Nebraska |
M2.6 |
137 km |
| Sep 3, 2023 |
10 km SSW of Lawrence, Nebraska |
M2.5 |
135 km |
| Mar 17, 2024 |
11 km E of Cowles, Nebraska |
M2.5 |
137 km |
| Aug 20, 2023 |
11 km E of Cowles, Nebraska |
M2.5 |
137 km |
| Aug 22, 2023 |
10 km ENE of Cowles, Nebraska |
M2.5 |
135 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
725 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 19 fatalities, 450 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 16, 2014 |
EF4 |
90 km |
1 |
| Jun 16, 2014 |
EF4 |
83 km |
1 |
| Jun 16, 2014 |
EF4 |
70 km |
0 |
| Jun 13, 2001 |
EF4 |
71 km |
0 |
| Jun 3, 1980 |
EF4 |
69 km |
3 |
| Apr 7, 1978 |
EF4 |
71 km |
0 |
| Apr 7, 1978 |
EF4 |
25 km |
0 |
| May 6, 1975 |
EF4 |
99 km |
0 |
| May 8, 1965 |
EF4 |
85 km |
0 |
| May 8, 1965 |
EF4 |
93 km |
4 |
| May 5, 1964 |
EF4 |
60 km |
0 |
| Apr 25, 1957 |
EF4 |
82 km |
1 |
| May 30, 1954 |
EF4 |
46 km |
6 |
| Aug 13, 1952 |
EF4 |
91 km |
0 |
| Apr 26, 2024 |
EF3 |
81 km |
0 |
| May 11, 2014 |
EF3 |
99 km |
0 |
| May 11, 2014 |
EF3 |
72 km |
0 |
| Jun 20, 2011 |
EF3 |
27 km |
0 |
| Oct 9, 2001 |
EF3 |
32 km |
0 |
| Jun 15, 1992 |
EF3 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-5°C) |
0.5 in |
Coldest, Driest |
| February |
28°F (-2°C) |
0.8 in |
|
| March |
38°F (4°C) |
2.1 in |
|
| April |
51°F (10°C) |
2.6 in |
|
| May |
61°F (16°C) |
4.3 in |
Wettest |
| June |
72°F (22°C) |
4.2 in |
|
| July |
75°F (24°C) |
3.2 in |
Warmest |
| August |
74°F (23°C) |
3.2 in |
|
| September |
65°F (18°C) |
2.9 in |
|
| October |
53°F (11°C) |
1.9 in |
|
| November |
37°F (3°C) |
1.4 in |
|
| December |
26°F (-3°C) |
0.8 in |
|
Silver Creek has a seasonal temperature swing of 51°F / from 24°F in January to 75°F in July. Total annual precipitation is 28.0 inches, with May being the wettest month (4.3") and January the driest (0.5").
Average costs for common services in Silver Creek. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$225 ($135–$360) |
| Specialist Visit |
$315 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$315) |
| Emergency Room Visit |
$1,982 ($721–$4,505) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$225 ($135–$360) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$270 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($360–$901) |
| Battery Replacement |
$180 ($90–$315) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$360 ($135–$721) |
| HVAC System Install |
$6,307 ($3,604–$10,812) |
| Roof Repair |
$901 ($360–$1,802) |
| Roof Replacement |
$8,109 ($4,956–$13,515) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,352 ($451–$3,154) |
| Divorce (Contested) |
$13,515 ($4,505–$27,030) |
| DUI Defense |
$4,505 ($1,802–$9,010) |
| Bankruptcy (Chapter 7) |
$1,352 ($721–$2,703) |
| Will Preparation |
$451 ($180–$901) |
| Trust Preparation |
$2,253 ($901–$4,505) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$225) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.69 ($2.70–$4.96) |
| Dozen Eggs (per dozen) |
$3.15 ($2.25–$4.51) |
| Loaf of Bread |
$3.42 ($2.25–$4.96) |
| Chicken Breast (per lb) |
$4.05 ($2.70–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.60–$6.76) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$225) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,802 ($1,081–$3,154) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.21–$23) |
| Car Registration (Annual) |
$90 ($27–$225) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,081 ($541–$2,253) |
| Daycare (Toddler, Monthly) |
$901 ($451–$1,802) |
| After-School Care (Monthly) |
$360 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$901 ($360–$2,253) |
| Private School (K-12, Annual) |
$11,263 ($4,505–$27,030) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$270 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$360) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $811 |
| Toddler | $769 |
| Preschool | $704 |
| Family Childcare (monthly) |
| Infant | $465 |
| Toddler | $487 |
| Preschool | $498 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Silver Creek
What is the population of Silver Creek?
Silver Creek has a population of 341 residents and is located in Nebraska. The population density is 1,218 people per square mile, spread across 0.3 square miles. The median age of residents is 46.8 years, which is older than the national median of 38.9 years. The population is 41.6% female and 58.4% male.
Is Silver Creek expensive to live in?
Silver Creek is more affordable than the national average, with a cost of living index of 90.1 / below the baseline of 100. The median household income is $57,321, 24% below the national average of $75,149. The median home value is $83,800 (70% below the U.S. median). Renters pay a median of $824 per month, below the national average of $1,163. The home price-to-income ratio is 1.5x, indicating housing is reasonably affordable relative to local income levels.
Is Silver Creek safe?
Silver Creek is considered a very safe city with a violent crime rate of 84 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,702 per 100,000 (below the national average). Overall, Silver Creek receives a safety grade of F based on combined crime data.
What is the weather like in Silver Creek?
Silver Creek has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 24°F in January, while summers reach an average of 75°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 27.7 inches, with 28.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 32.
How is the job market in Silver Creek?
The job market in Silver Creek is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $914. There are 172 business establishments in the area, including 6 restaurants and food service locations. The average commute time is 22 minutes, and 1.7% of workers work from home.
How much does housing cost in Silver Creek?
The median home value in Silver Creek is $83,800. Zillow estimates the typical home value at $211,541. For renters, the median monthly rent is $824. Fair market rent is $791 for a 1-bedroom and $1,001 for a 2-bedroom apartment. The homeownership rate is 78.0%. The average annual property tax is $2,950.
How are the schools in Silver Creek?
Schools in Silver Creek score 5.9 out of 10 on standardized testing, near the national average. 8.4% of adults in Silver Creek hold a bachelor's degree or higher, below the national average of 33.7%. 95.9% have completed high school. 3.6% hold a graduate or professional degree.
How healthy is Silver Creek?
The obesity rate in Silver Creek is 39.7% (above the national rate of 32.1%). 16.1% of adults are smokers. 27.2% are physically inactive. 19.2% of residents report depression. 9.5% lack health insurance. 29.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,725.
What is transportation like in Silver Creek?
The average commute in Silver Creek is 22 minutes, shorter than the national average of 28 minutes. 87.8% of workers drive alone to work, 1.3% use public transit, and 1.7% work from home.
What are the demographics of Silver Creek?
The racial and ethnic makeup of Silver Creek is 95% White. 96.5% of residents speak only English at home, while 3.5% speak Spanish. 10.3% of the population are military veterans. 18.5% of residents have a disability. 90.1% have health insurance coverage.
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