Kearney County, Nebraska home prices
Typical home $250,494 · +5.0% in a year · property tax 1.23%
The typical home in Kearney County is worth $250,494, 10% less than the Nebraska typical home ($278,299). Values changed +5.0% in the past year and +30.6% over five years. Homeowners here pay a median 1.23% of their home's value in property tax each year ($3,072 on the typical home), versus 1.31% statewide.
Mortgage on the typical Kearney County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,099 | $200,395 | $1,348 | $0 | $381 | $1,729 | $74,100 |
| 10% down | $25,049 | $225,445 | $1,517 | $94 | $381 | $1,992 | $85,400 |
| 5% down | $12,525 | $237,970 | $1,601 | $99 | $381 | $2,081 | $89,200 |
| 3.5% down (FHA) | $8,767 | $245,957 | $1,655 | $111 | $381 | $2,147 | $92,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.23% 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 Kearney metro area.
Nebraska counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wayne County | $252,588 | +6.6% | 1.12% |
| Keith County | $247,262 | +7.0% | 1.41% |
| Madison County | $254,172 | +3.4% | 1.37% |
| Pierce County | $246,072 | +2.9% | 1.14% |
| Dakota County | $245,248 | +5.7% | 1.54% |
| Hall County | $255,979 | -0.5% | 1.39% |
| Otoe County | $244,979 | +2.7% | 1.33% |
| Butler County | $242,422 | +5.8% | 1.11% |
| Dodge County | $240,410 | +3.5% | 1.27% |
| Stanton County | $264,237 | +6.7% | 1.26% |
Frequently asked questions
What is the average home price in Kearney County, NE?
The typical home value in Kearney County is $250,494 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kearney County?
About $74,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kearney County?
The median effective rate is 1.23% of home value a year (Census ACS 2024 5-year estimates).