Lincoln, NE home prices
Typical home $300,524 · +3.1% in a year · income needed $92,100
The Lincoln, NE metro area ranks 319 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +23.8% over five years. With 20% down at 7.11%, the typical home costs about $2,150 a month including 1.53% property tax (Lancaster County rate).
Mortgage on the typical Lincoln home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,105 | $240,420 | $1,617 | $0 | $533 | $2,150 | $92,100 |
| 10% down | $30,052 | $270,472 | $1,819 | $113 | $533 | $2,465 | $105,600 |
| 5% down | $15,026 | $285,498 | $1,921 | $119 | $533 | $2,572 | $110,200 |
| 3.5% down (FHA) | $10,518 | $295,081 | $1,985 | $133 | $533 | $2,651 | $113,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.53% 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.
Counties in the Lincoln area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lancaster County, NE | $299,768 | +2.9% | 1.53% |
| Seward County, NE | $317,580 | +7.0% | 1.18% |
What can you afford in Nebraska on your salary? · Nebraska home prices · Salaries in Nebraska
Frequently asked questions
How much is a house in Lincoln?
The typical home in the Lincoln, NE metro area is worth $300,524 (Zillow, September 2026).
What salary do you need to buy a house in Lincoln?
About $92,100 a year for the typical home with 20% down at 7.11%.