How much house can I afford on $80,000 in Nebraska?
About $268,000 with 20% down ($216,000 with an FHA loan), using Nebraska's 1.31% property tax rate.
That is $10,697 less than the typical Nebraska home ($278,299), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,440 principal and interest, $293 property tax and $134 insurance.
Counties in Nebraska you can afford on $80,000
70 of 89 counties have a typical home value at or below $268,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stanton County | $264,237 | +6.7% | 1.26% |
| Hall County | $255,979 | -0.5% | 1.39% |
| Madison County | $254,172 | +3.4% | 1.37% |
| Wayne County | $252,588 | +6.6% | 1.12% |
| Kearney County | $250,494 | +5.0% | 1.23% |
| Keith County | $247,262 | +7.0% | 1.41% |
| Pierce County | $246,072 | +2.9% | 1.14% |
| Dakota County | $245,248 | +5.7% | 1.54% |
| Otoe County | $244,979 | +2.7% | 1.33% |
| Butler County | $242,422 | +5.8% | 1.11% |
| Dodge County | $240,410 | +3.5% | 1.27% |
| Cedar County | $236,446 | +9.8% | 1% |
| Wheeler County | $234,464 | +1.8% | 0.79% |
| 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% |
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 $80,000 in Nebraska?
About $268,000 with 20% down at 7.11%, keeping the payment (with Nebraska's 1.31% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Nebraska?
Not the typical home: the typical Nebraska home is worth $278,299 (Zillow, September 2026) and $80,000 supports about $268,000. 70 of 89 counties are within budget.