Scottsbluff, NE home prices
Typical home $200,664 · +3.3% in a year · income needed $61,200
The Scottsbluff, NE metro area ranks 637 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.3% in a year and +29.6% over five years. With 20% down at 7.11%, the typical home costs about $1,428 a month including 1.48% property tax (Scotts Bluff County rate).
Mortgage on the typical Scottsbluff home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,133 | $160,531 | $1,080 | $0 | $348 | $1,428 | $61,200 |
| 10% down | $20,066 | $180,597 | $1,215 | $75 | $348 | $1,638 | $70,200 |
| 5% down | $10,033 | $190,631 | $1,282 | $79 | $348 | $1,710 | $73,300 |
| 3.5% down (FHA) | $7,023 | $197,029 | $1,325 | $89 | $348 | $1,762 | $75,500 |
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.
Counties in the Scottsbluff area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Scotts Bluff County, NE | $196,514 | +3.2% | 1.48% |
| Sioux County, NE | $310,306 | +9.5% | 1.63% |
| Banner County, NE | $355,663 | +4.1% | 1.26% |
What can you afford in Nebraska on your salary? · Nebraska home prices · Salaries in Nebraska
Frequently asked questions
How much is a house in Scottsbluff?
The typical home in the Scottsbluff, NE metro area is worth $200,664 (Zillow, September 2026).
What salary do you need to buy a house in Scottsbluff?
About $61,200 a year for the typical home with 20% down at 7.11%.