Omaha, NE home prices
Typical home $306,318 · +2.7% in a year · income needed $95,700
The Omaha, NE metro area ranks 305 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.7% in a year and +24.5% over five years. With 20% down at 7.11%, the typical home costs about $2,234 a month including 1.69% property tax (Douglas County rate).
Mortgage on the typical Omaha home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,264 | $245,055 | $1,648 | $0 | $586 | $2,234 | $95,700 |
| 10% down | $30,632 | $275,687 | $1,855 | $115 | $586 | $2,555 | $109,500 |
| 5% down | $15,316 | $291,002 | $1,958 | $121 | $586 | $2,664 | $114,200 |
| 3.5% down (FHA) | $10,721 | $300,770 | $2,023 | $135 | $586 | $2,744 | $117,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.69% 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 Omaha area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Douglas County, NE | $294,051 | +2.2% | 1.69% |
| Sarpy County, NE | $356,669 | +3.0% | 1.74% |
| Pottawattamie County, IA | $240,980 | +3.0% | 1.57% |
| Cass County, NE | $308,970 | +3.7% | 1.43% |
| Saunders County, NE | $357,205 | +5.3% | 1.3% |
| Washington County, NE | $396,936 | +2.2% | 1.39% |
| Mills County, IA | $280,495 | +3.2% | 1.47% |
| Harrison County, IA | $223,581 | +4.6% | 1.32% |
What can you afford in Nebraska on your salary? · Nebraska home prices · Salaries in Nebraska
Frequently asked questions
How much is a house in Omaha?
The typical home in the Omaha, NE metro area is worth $306,318 (Zillow, September 2026).
What salary do you need to buy a house in Omaha?
About $95,700 a year for the typical home with 20% down at 7.11%.