Harlan County, Nebraska home prices
Typical home $167,549 · +5.5% in a year · property tax 1.29%
The typical home in Harlan County is worth $167,549, 40% less than the Nebraska typical home ($278,299). Values changed +5.5% in the past year and +25.6% over five years. Homeowners here pay a median 1.29% of their home's value in property tax each year ($2,156 on the typical home), versus 1.31% statewide.
Mortgage on the typical Harlan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,510 | $134,039 | $902 | $0 | $263 | $1,165 | $49,900 |
| 10% down | $16,755 | $150,794 | $1,014 | $63 | $263 | $1,341 | $57,500 |
| 5% down | $8,377 | $159,171 | $1,071 | $66 | $263 | $1,401 | $60,000 |
| 3.5% down (FHA) | $5,864 | $164,514 | $1,107 | $74 | $263 | $1,444 | $61,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.29% 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 |
|---|---|---|---|
| Kimball County | $168,081 | +4.6% | 1.67% |
| Deuel County | $168,336 | +5.5% | 1.43% |
| Thurston County | $170,592 | +12.7% | 1.47% |
| Cheyenne County | $172,864 | +6.7% | 1.65% |
| Frontier County | $174,432 | +5.7% | 1.4% |
| Garden County | $175,060 | +2.1% | 1.01% |
| Pawnee County | $160,023 | -0.3% | 1.52% |
| Logan County | $175,598 | +3.8% | 0.98% |
| Nance County | $159,244 | -1.0% | 1.1% |
| Custer County | $179,132 | +8.1% | 1.16% |
Frequently asked questions
What is the average home price in Harlan County, NE?
The typical home value in Harlan County is $167,549 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harlan County?
About $49,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harlan County?
The median effective rate is 1.29% of home value a year (Census ACS 2024 5-year estimates).