Garden County, Nebraska home prices
Typical home $175,060 · +2.1% in a year · property tax 1.01%
The typical home in Garden County is worth $175,060, 37% less than the Nebraska typical home ($278,299). Values changed +2.1% in the past year and +15.4% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($1,765 on the typical home), versus 1.31% statewide.
Mortgage on the typical Garden County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,012 | $140,048 | $942 | $0 | $235 | $1,177 | $50,400 |
| 10% down | $17,506 | $157,554 | $1,060 | $66 | $235 | $1,360 | $58,300 |
| 5% down | $8,753 | $166,307 | $1,119 | $69 | $235 | $1,423 | $61,000 |
| 3.5% down (FHA) | $6,127 | $171,890 | $1,156 | $77 | $235 | $1,468 | $62,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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.
What it takes: see what you can afford by salary in Nebraska.
Nebraska counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Logan County | $175,598 | +3.8% | 0.98% |
| Frontier County | $174,432 | +5.7% | 1.4% |
| Cheyenne County | $172,864 | +6.7% | 1.65% |
| Custer County | $179,132 | +8.1% | 1.16% |
| Thurston County | $170,592 | +12.7% | 1.47% |
| Box Butte County | $179,655 | +3.1% | 1.51% |
| Valley County | $179,973 | +2.6% | 1.32% |
| Fillmore County | $180,015 | +5.8% | 0.99% |
| Clay County | $180,934 | +6.0% | 1.2% |
| Red Willow County | $181,358 | +1.5% | 1.18% |
Frequently asked questions
What is the average home price in Garden County, NE?
The typical home value in Garden County is $175,060 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garden County?
About $50,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garden County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).