Garfield County, Nebraska home prices
Typical home $230,215 · +4.5% in a year · property tax 1.35%
The typical home in Garfield County is worth $230,215, 17% less than the Nebraska typical home ($278,299). Values changed +4.5% in the past year and +45.2% over five years. Homeowners here pay a median 1.35% of their home's value in property tax each year ($3,106 on the typical home), versus 1.31% statewide.
Mortgage on the typical Garfield County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,043 | $184,172 | $1,239 | $0 | $374 | $1,613 | $69,100 |
| 10% down | $23,022 | $207,194 | $1,394 | $86 | $374 | $1,854 | $79,500 |
| 5% down | $11,511 | $218,705 | $1,471 | $91 | $374 | $1,936 | $83,000 |
| 3.5% down (FHA) | $8,058 | $226,046 | $1,521 | $102 | $374 | $1,996 | $85,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% 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 |
|---|---|---|---|
| Colfax County | $228,275 | +1.1% | 1.18% |
| Merrick County | $228,260 | +2.7% | 1.3% |
| York County | $226,050 | -0.1% | 1.19% |
| Wheeler County | $234,464 | +1.8% | 0.79% |
| Lincoln County | $225,085 | +6.6% | 1.47% |
| Cedar County | $236,446 | +9.8% | 1% |
| Cherry County | $221,476 | -5.6% | 0.99% |
| Perkins County | $221,350 | +0.7% | 1% |
| Dodge County | $240,410 | +3.5% | 1.27% |
| Polk County | $218,827 | +1.9% | 0.99% |
Frequently asked questions
What is the average home price in Garfield County, NE?
The typical home value in Garfield County is $230,215 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garfield County?
About $69,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garfield County?
The median effective rate is 1.35% of home value a year (Census ACS 2024 5-year estimates).