Thomas County, Nebraska home prices
Typical home $182,513 · -5.7% in a year · property tax 1.25%
The typical home in Thomas County is worth $182,513, 34% less than the Nebraska typical home ($278,299). Values changed -5.7% in the past year and — over five years. Homeowners here pay a median 1.25% of their home's value in property tax each year ($2,280 on the typical home), versus 1.31% statewide.
Mortgage on the typical Thomas County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,503 | $146,010 | $982 | $0 | $281 | $1,263 | $54,100 |
| 10% down | $18,251 | $164,261 | $1,105 | $68 | $281 | $1,455 | $62,300 |
| 5% down | $9,126 | $173,387 | $1,166 | $72 | $281 | $1,520 | $65,100 |
| 3.5% down (FHA) | $6,388 | $179,207 | $1,206 | $81 | $281 | $1,567 | $67,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.25% 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 |
|---|---|---|---|
| Holt County | $181,816 | +8.8% | 1.11% |
| Nemaha County | $183,504 | +5.5% | 1.44% |
| Red Willow County | $181,358 | +1.5% | 1.18% |
| Clay County | $180,934 | +6.0% | 1.2% |
| Fillmore County | $180,015 | +5.8% | 0.99% |
| Valley County | $179,973 | +2.6% | 1.32% |
| Box Butte County | $179,655 | +3.1% | 1.51% |
| Custer County | $179,132 | +8.1% | 1.16% |
| Dawes County | $189,283 | +5.4% | 1.45% |
| Logan County | $175,598 | +3.8% | 0.98% |
Frequently asked questions
What is the average home price in Thomas County, NE?
The typical home value in Thomas County is $182,513 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Thomas County?
About $54,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Thomas County?
The median effective rate is 1.25% of home value a year (Census ACS 2024 5-year estimates).