Scotts Bluff County, Nebraska home prices
Typical home $196,514 · +3.2% in a year · property tax 1.48%
The typical home in Scotts Bluff County is worth $196,514, 29% less than the Nebraska typical home ($278,299). Values changed +3.2% in the past year and +29.8% over five years. Homeowners here pay a median 1.48% of their home's value in property tax each year ($2,910 on the typical home), versus 1.31% statewide.
Mortgage on the typical Scotts Bluff County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,303 | $157,211 | $1,058 | $0 | $341 | $1,398 | $59,900 |
| 10% down | $19,651 | $176,863 | $1,190 | $74 | $341 | $1,604 | $68,800 |
| 5% down | $9,826 | $186,688 | $1,256 | $78 | $341 | $1,674 | $71,800 |
| 3.5% down (FHA) | $6,878 | $192,955 | $1,298 | $87 | $341 | $1,726 | $74,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.48% 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 Scottsbluff metro area.
Nebraska counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dixon County | $199,125 | +9.3% | 1.2% |
| Dawson County | $199,542 | -1.3% | 1.31% |
| Sherman County | $192,607 | +4.8% | 1.16% |
| Burt County | $192,436 | +4.9% | 1.32% |
| Gage County | $200,898 | +0.6% | 1.41% |
| Dawes County | $189,283 | +5.4% | 1.45% |
| Nemaha County | $183,504 | +5.5% | 1.44% |
| Thomas County | $182,513 | -5.7% | 1.25% |
| Adams County | $210,915 | +1.8% | 1.45% |
| Holt County | $181,816 | +8.8% | 1.11% |
Frequently asked questions
What is the average home price in Scotts Bluff County, NE?
The typical home value in Scotts Bluff County is $196,514 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scotts Bluff County?
About $59,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scotts Bluff County?
The median effective rate is 1.48% of home value a year (Census ACS 2024 5-year estimates).