Valley County, Nebraska home prices
Typical home $179,973 · +2.6% in a year · property tax 1.32%
The typical home in Valley County is worth $179,973, 35% less than the Nebraska typical home ($278,299). Values changed +2.6% in the past year and +29.2% over five years. Homeowners here pay a median 1.32% of their home's value in property tax each year ($2,376 on the typical home), versus 1.31% statewide.
Mortgage on the typical Valley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,995 | $143,978 | $969 | $0 | $288 | $1,257 | $53,900 |
| 10% down | $17,997 | $161,975 | $1,090 | $67 | $288 | $1,445 | $61,900 |
| 5% down | $8,999 | $170,974 | $1,150 | $71 | $288 | $1,509 | $64,700 |
| 3.5% down (FHA) | $6,299 | $176,713 | $1,189 | $80 | $288 | $1,556 | $66,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% 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 |
|---|---|---|---|
| Fillmore County | $180,015 | +5.8% | 0.99% |
| Box Butte County | $179,655 | +3.1% | 1.51% |
| Custer County | $179,132 | +8.1% | 1.16% |
| Clay County | $180,934 | +6.0% | 1.2% |
| Red Willow County | $181,358 | +1.5% | 1.18% |
| Holt County | $181,816 | +8.8% | 1.11% |
| Thomas County | $182,513 | -5.7% | 1.25% |
| Nemaha County | $183,504 | +5.5% | 1.44% |
| Logan County | $175,598 | +3.8% | 0.98% |
| Garden County | $175,060 | +2.1% | 1.01% |
Frequently asked questions
What is the average home price in Valley County, NE?
The typical home value in Valley County is $179,973 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Valley County?
About $53,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Valley County?
The median effective rate is 1.32% of home value a year (Census ACS 2024 5-year estimates).