Howard County, Nebraska home prices
Typical home $280,528 · +4.3% in a year · property tax 1.16%
The typical home in Howard County is worth $280,528, about the same as the Nebraska typical home ($278,299). Values changed +4.3% in the past year and +30.2% over five years. Homeowners here pay a median 1.16% of their home's value in property tax each year ($3,259 on the typical home), versus 1.31% statewide.
Mortgage on the typical Howard County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,106 | $224,422 | $1,510 | $0 | $412 | $1,922 | $82,400 |
| 10% down | $28,053 | $252,475 | $1,698 | $105 | $412 | $2,215 | $94,900 |
| 5% down | $14,026 | $266,501 | $1,793 | $111 | $412 | $2,316 | $99,200 |
| 3.5% down (FHA) | $9,818 | $275,446 | $1,853 | $124 | $412 | $2,389 | $102,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.16% 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 · part of the Grand Island metro area.
Nebraska counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hayes County | $280,179 | +1.4% | 1.01% |
| Platte County | $278,340 | +2.1% | 1.29% |
| Keya Paha County | $284,560 | -1.1% | 1.29% |
| Cuming County | $269,878 | +7.8% | 1% |
| Douglas County | $294,051 | +2.2% | 1.69% |
| Boone County | $294,679 | +1.7% | 1.03% |
| Stanton County | $264,237 | +6.7% | 1.26% |
| Lancaster County | $299,768 | +2.9% | 1.53% |
| Hamilton County | $301,079 | +5.6% | 0.95% |
| Hall County | $255,979 | -0.5% | 1.39% |
Frequently asked questions
What is the average home price in Howard County, NE?
The typical home value in Howard County is $280,528 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Howard County?
About $82,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Howard County?
The median effective rate is 1.16% of home value a year (Census ACS 2024 5-year estimates).