Nebraska home prices and mortgage costs
Typical home value $278,299 · +3.0% in a year · property tax 1.31%
Typical home value
$278,299
Payment (20% down)
$1,941
Income needed
$83,200
Nebraska ranks 38th most expensive of 51 states and D.C. Home values changed +3.0% over the past year and +26.1% over five years. Buying the typical home with 20% down costs about $1,941 a month at 7.11%, which needs a household income of about $83,200.
Cost of the typical Nebraska home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,660 | $222,639 | $1,498 | $0 | $444 | $1,941 | $83,200 |
| 10% down | $27,830 | $250,469 | $1,685 | $104 | $444 | $2,233 | $95,700 |
| 5% down | $13,915 | $264,384 | $1,779 | $110 | $444 | $2,332 | $100,000 |
| 3.5% down (FHA) | $9,740 | $273,258 | $1,838 | $123 | $444 | $2,405 | $103,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.31% 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.
Check a specific budget: how much house you can afford in Nebraska by salary · payment on a $300K home in Nebraska
Home prices by county in Nebraska
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Washington County | $396,936 | +2.2% | 1.39% | $2,795 | $119,800 |
| Saunders County | $357,205 | +5.3% | 1.3% | $2,488 | $106,600 |
| Sarpy County | $356,669 | +3.0% | 1.74% | $2,616 | $112,100 |
| Banner County | $355,663 | +4.1% | 1.26% | $2,465 | $105,700 |
| McPherson County | $339,233 | +1.7% | 1.11% | $2,309 | $99,000 |
| Seward County | $317,580 | +7.0% | 1.18% | $2,180 | $93,400 |
| Gosper County | $311,165 | -1.8% | 1.05% | $2,103 | $90,100 |
| Sioux County | $310,306 | +9.5% | 1.63% | $2,245 | $96,200 |
| Cass County | $308,970 | +3.7% | 1.43% | $2,186 | $93,700 |
| Buffalo County | $305,204 | +6.5% | 1.44% | $2,162 | $92,700 |
| Hamilton County | $301,079 | +5.6% | 0.95% | $2,009 | $86,100 |
| Lancaster County | $299,768 | +2.9% | 1.53% | $2,145 | $91,900 |
| Boone County | $294,679 | +1.7% | 1.03% | $1,985 | $85,100 |
| Douglas County | $294,051 | +2.2% | 1.69% | $2,145 | $91,900 |
| Keya Paha County | $284,560 | -1.1% | 1.29% | $1,980 | $84,800 |
| Howard County | $280,528 | +4.3% | 1.16% | $1,922 | $82,400 |
| Hayes County | $280,179 | +1.4% | 1.01% | $1,884 | $80,700 |
| Platte County | $278,340 | +2.1% | 1.29% | $1,936 | $83,000 |
| Cuming County | $269,878 | +7.8% | 1% | $1,812 | $77,600 |
| Stanton County | $264,237 | +6.7% | 1.26% | $1,833 | $78,500 |
| Hall County | $255,979 | -0.5% | 1.39% | $1,802 | $77,200 |
| Madison County | $254,172 | +3.4% | 1.37% | $1,785 | $76,500 |
| Wayne County | $252,588 | +6.6% | 1.12% | $1,722 | $73,800 |
| Kearney County | $250,494 | +5.0% | 1.23% | $1,729 | $74,100 |
| Keith County | $247,262 | +7.0% | 1.41% | $1,745 | $74,800 |
| Pierce County | $246,072 | +2.9% | 1.14% | $1,681 | $72,000 |
| Dakota County | $245,248 | +5.7% | 1.54% | $1,757 | $75,300 |
| Otoe County | $244,979 | +2.7% | 1.33% | $1,713 | $73,400 |
| Butler County | $242,422 | +5.8% | 1.11% | $1,650 | $70,700 |
| Dodge County | $240,410 | +3.5% | 1.27% | $1,668 | $71,500 |
| Cedar County | $236,446 | +9.8% | 1% | $1,588 | $68,000 |
| Wheeler County | $234,464 | +1.8% | 0.79% | $1,534 | $65,800 |
| Garfield County | $230,215 | +4.5% | 1.35% | $1,613 | $69,100 |
| Colfax County | $228,275 | +1.1% | 1.18% | $1,567 | $67,200 |
| Merrick County | $228,260 | +2.7% | 1.3% | $1,589 | $68,100 |
| York County | $226,050 | -0.1% | 1.19% | $1,555 | $66,600 |
| Lincoln County | $225,085 | +6.6% | 1.47% | $1,600 | $68,600 |
| Cherry County | $221,476 | -5.6% | 0.99% | $1,485 | $63,600 |
| Perkins County | $221,350 | +0.7% | 1% | $1,487 | $63,700 |
| Polk County | $218,827 | +1.9% | 0.99% | $1,468 | $62,900 |
| Greeley County | $218,638 | +8.2% | 1.29% | $1,520 | $65,200 |
| Chase County | $218,408 | +8.4% | 1.28% | $1,518 | $65,100 |
| Saline County | $218,248 | +1.8% | 1.35% | $1,529 | $65,500 |
| Antelope County | $214,956 | +4.2% | 1.23% | $1,485 | $63,700 |
| Johnson County | $214,386 | +2.6% | 1.32% | $1,497 | $64,100 |
| Knox County | $212,114 | +5.1% | 1.15% | $1,451 | $62,200 |
| Phelps County | $211,324 | +2.6% | 1.32% | $1,475 | $63,200 |
| Adams County | $210,915 | +1.8% | 1.45% | $1,495 | $64,100 |
| Gage County | $200,898 | +0.6% | 1.41% | $1,417 | $60,700 |
| Dawson County | $199,542 | -1.3% | 1.31% | $1,391 | $59,600 |
| Dixon County | $199,125 | +9.3% | 1.2% | $1,371 | $58,700 |
| Scotts Bluff County | $196,514 | +3.2% | 1.48% | $1,398 | $59,900 |
| Sherman County | $192,607 | +4.8% | 1.16% | $1,319 | $56,500 |
| Burt County | $192,436 | +4.9% | 1.32% | $1,343 | $57,600 |
| Dawes County | $189,283 | +5.4% | 1.45% | $1,341 | $57,500 |
| Nemaha County | $183,504 | +5.5% | 1.44% | $1,300 | $55,700 |
| Thomas County | $182,513 | -5.7% | 1.25% | $1,263 | $54,100 |
| Holt County | $181,816 | +8.8% | 1.11% | $1,237 | $53,000 |
| Red Willow County | $181,358 | +1.5% | 1.18% | $1,245 | $53,300 |
| Clay County | $180,934 | +6.0% | 1.2% | $1,245 | $53,400 |
| Fillmore County | $180,015 | +5.8% | 0.99% | $1,207 | $51,700 |
| Valley County | $179,973 | +2.6% | 1.32% | $1,257 | $53,900 |
| Box Butte County | $179,655 | +3.1% | 1.51% | $1,283 | $55,000 |
| Custer County | $179,132 | +8.1% | 1.16% | $1,227 | $52,600 |
| Logan County | $175,598 | +3.8% | 0.98% | $1,176 | $50,400 |
| Garden County | $175,060 | +2.1% | 1.01% | $1,177 | $50,400 |
| Frontier County | $174,432 | +5.7% | 1.4% | $1,230 | $52,700 |
| Cheyenne County | $172,864 | +6.7% | 1.65% | $1,254 | $53,700 |
| Thurston County | $170,592 | +12.7% | 1.47% | $1,212 | $51,900 |
| Deuel County | $168,336 | +5.5% | 1.43% | $1,190 | $51,000 |
| Kimball County | $168,081 | +4.6% | 1.67% | $1,223 | $52,400 |
| Harlan County | $167,549 | +5.5% | 1.29% | $1,165 | $49,900 |
| Pawnee County | $160,023 | -0.3% | 1.52% | $1,144 | $49,000 |
| Nance County | $159,244 | -1.0% | 1.1% | $1,082 | $46,400 |
| Dundy County | $154,651 | -9.8% | 0.8% | $1,013 | $43,400 |
| Brown County | $153,472 | +4.1% | 1.1% | $1,043 | $44,700 |
| Morrill County | $151,995 | +0.1% | 1.42% | $1,073 | $46,000 |
| Franklin County | $151,515 | +5.8% | 1.28% | $1,052 | $45,100 |
| Thayer County | $148,778 | +3.6% | 1.03% | $1,002 | $43,000 |
| Hitchcock County | $146,947 | +5.1% | 1.17% | $1,007 | $43,200 |
| Sheridan County | $143,575 | +1.4% | 1.37% | $1,009 | $43,200 |
| Hooker County | $140,717 | +15.5% | 1.04% | $950 | $40,700 |
| Jefferson County | $138,265 | -1.4% | 1.46% | $981 | $42,000 |
| Webster County | $135,584 | -0.0% | 1.45% | $961 | $41,200 |
| Boyd County | $128,465 | -1.4% | 1.1% | $873 | $37,400 |
| Rock County | $128,417 | +3.0% | 1.07% | $870 | $37,300 |
| Furnas County | $119,619 | -3.0% | 1.38% | $841 | $36,000 |
| Nuckolls County | $116,936 | +5.7% | 1.17% | $802 | $34,400 |
| Richardson County | $114,176 | +3.4% | 1.43% | $807 | $34,600 |
Metro areas in Nebraska
Frequently asked questions
What is the average home price in Nebraska?
The typical home in Nebraska is worth $278,299 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Nebraska?
About $83,200 a year to buy the typical $278,299 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Nebraska?
The typical effective rate is 1.31% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).