How much house can I afford on $70,000 in Nebraska?
About $234,000 with 20% down ($189,000 with an FHA loan), using Nebraska's 1.31% property tax rate.
That is $44,147 less than the typical Nebraska home ($278,299), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,260 principal and interest, $256 property tax and $117 insurance.
Counties in Nebraska you can afford on $70,000
57 of 89 counties have a typical home value at or below $234,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Garfield County | $230,215 | +4.5% | 1.35% |
| Colfax County | $228,275 | +1.1% | 1.18% |
| Merrick County | $228,260 | +2.7% | 1.3% |
| York County | $226,050 | -0.1% | 1.19% |
| Lincoln County | $225,085 | +6.6% | 1.47% |
| Cherry County | $221,476 | -5.6% | 0.99% |
| Perkins County | $221,350 | +0.7% | 1% |
| Polk County | $218,827 | +1.9% | 0.99% |
| Greeley County | $218,638 | +8.2% | 1.29% |
| Chase County | $218,408 | +8.4% | 1.28% |
| Saline County | $218,248 | +1.8% | 1.35% |
| Antelope County | $214,956 | +4.2% | 1.23% |
| Johnson County | $214,386 | +2.6% | 1.32% |
| Knox County | $212,114 | +5.1% | 1.15% |
| Phelps County | $211,324 | +2.6% | 1.32% |
| Adams County | $210,915 | +1.8% | 1.45% |
| Gage County | $200,898 | +0.6% | 1.41% |
| Dawson County | $199,542 | -1.3% | 1.31% |
| Dixon County | $199,125 | +9.3% | 1.2% |
| Scotts Bluff County | $196,514 | +3.2% | 1.48% |
| Sherman County | $192,607 | +4.8% | 1.16% |
| Burt County | $192,436 | +4.9% | 1.32% |
| Dawes County | $189,283 | +5.4% | 1.45% |
| Nemaha County | $183,504 | +5.5% | 1.44% |
| Thomas County | $182,513 | -5.7% | 1.25% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.31% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Nebraska
Frequently asked questions
How much house can I afford on $70,000 in Nebraska?
About $234,000 with 20% down at 7.11%, keeping the payment (with Nebraska's 1.31% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Nebraska?
Not the typical home: the typical Nebraska home is worth $278,299 (Zillow, September 2026) and $70,000 supports about $234,000. 57 of 89 counties are within budget.