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State

Data from November 2026

Housing , home prices, rents and assistance in Nebraska (2026)

A typical home in Nebraska is worth $238,600; the typical rent is $1,072 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $603,750. 8 HUD-approved counseling agencies serve Nebraska; 4 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $117,500
  • $117,500–$149,800
  • $149,800–$173,700
  • $173,700–$201,600
  • $201,600 or more
  • 2 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$238,600
28% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,072
24% less than the U.S.
U.S.: $1,413
Typical household income
$76,475
5% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $603,750
It changes by county. The highest applies in 2 counties.
U.S.: $541,287 to $1,299,500
Property tax
1.49%
of value a year
The typical bill is $3,549 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Nebraska

A typical home in Nebraska is worth $238,600, 28% less than in the country overall. Across its 93 counties, the typical value runs from $79,400 in Pawnee County to $314,100 in Sarpy County. A typical household earns $76,475 a year and pays $1,072 a month in rent; 45% of renters put 30% or more of their income toward housing. 67% of households live in a home they own; they pay a typical property tax of $3,549 a year, about 1.49% of value.

The conforming loan limit for a one-unit home is $832,750 across Nebraska. To pay HUD’s fair rent for a 2-bedroom apartment in Nebraska ($1,260) without spending more than 30% of income, you need about $24.23 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Nebraska

More on property tax

  • Homestead exemption for seniors, people with disabilities and veterans

    Nebraska's homestead exemption lowers property tax by exempting all or part of the taxable value of your residence. For 2026 it is available to people 65 or older before January 1, 2026, qualified disabled individuals, and qualified disabled veterans and their surviving spouses. Some categories have household income and home value limits; the income limit is a sliding scale based on filing status and category. The state reimburses counties and other local governments for the property taxes lost to these exemptions.

    Nebraska Department of Revenue, Property Assessment Division · Verified October 24, 2026

  • Citizenship or qualified-alien status for the homestead exemption

    The instructions for Form 458 (the homestead exemption application) say the exemption is available to U.S. citizens or qualified aliens. On the application you check the box that applies and, if applicable, write the applicant's alien registration number.

    Nebraska Department of Revenue (2026 Form 458 instructions) · Verified October 24, 2026

  • Deadline: after February 1 and by June 30

    Each owner who wants the homestead exemption files the application with the county assessor where the home is located, after February 1 and on or before June 30 of each year. The county board may, by majority vote, extend an applicant's deadline to July 20, but not for someone who got an extension the year before.

    Nebraska Legislature (Nebraska Revised Statutes) · Verified October 24, 2026

  • Deadline to protest the valuation with the county board of equalization

    The county board of equalization reviews and decides written protests from June 1 through July 25 each year. A real property protest must be signed and filed after the county assessor completes the assessment roll, and by June 30. One protest is filed for each parcel.

    Nebraska Legislature (Nebraska Revised Statutes) · Verified October 24, 2026

  • Documentary stamp tax on real estate transfers

    The law imposes this tax on the grantor who signs the deed (in a sale, the seller): $3.32 per $1,000 of value (or fraction) for transfers before January 1, 2032, and $2.32 per $1,000 from that date on. In a sale, value is the full price paid or to be paid, including any liens assumed. Payment is shown by stamps attached to the deed.

    Nebraska Legislature (Nebraska Revised Statutes) · Verified October 24, 2026

The homes here

Housing in Nebraska

What homes there are in Nebraska, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Nebraska, 7 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

Homes in Nebraska are older: the typical year built is 1975; in the U.S., 1980.

In Nebraska, 62% of homes have 3 bedrooms or more, about the same as in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Nebraska are worth, the most common range is between $200K and $300K (27%).

Monthly rent with utilities

The largest group of rented homes in Nebraska pays between $1,000 and $1,499 a month: 37%.

With a mortgage

$1,736 a month

United States: $1,963 a month

Without a mortgage

$677 a month

United States: $638 a month

Owners with a mortgage

59%

United States: 61%

Owning costs less in Nebraska: with a mortgage, the typical cost is $1,736 a month; in the U.S., $1,963. Without one, $677.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Nebraska rose 53% since 2015–2019, about the same as in the U.S. (53%).

Since 2015–2019, the typical rent in Nebraska rose 29%, less than in the U.S. (33%).

Here income did not keep up with housing: it rose 25%, while home values changed +53% and rent +29%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNebraskaUnited States
Rental vacancy 4.3%5.5%
Homeowner vacancy 0.6%0.9%
More than one person per room 2.1%3.4%
People per household 2.422.53
Drive alone 76%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 3%3%
Work from home 11%15%
Other means 1%2%
Typical commute 10 to 19 minutes20 to 29 minutes

In Nebraska, the rental vacancy rate is 4.3%; in the U.S., 5.5%.

Fewer households are short on space in Nebraska: 2.1% have more than one person per room; in the U.S., 3.4%.

A household in Nebraska has 2.42 people on average, about the same as in the U.S. (2.53).

The car rules in Nebraska: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Nebraska

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Nebraska

Start from the typical home value in Nebraska, $238,600, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Nebraska

$
%

Estimated monthly payment

$2,088

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Nebraska rose 87% in the 10 years through 2025.

Price change each year

Period Nebraska United States
In 2025 +3.3% +2.9%
5 years (2020–2025) +49% +47%
10 years (2015–2025) +87% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Nebraska were 10% lower than the U.S. average. Housing rents were 25% lower than nationwide.

Category Nebraska United States Versus the U.S.
All prices Consumer goods and services 90.1 100.0 10% less
Housing rents What renters pay 75.2 100.6 25% less
Water, power and gas Water, sewer, electricity and gas 75.6 98.4 23% less
Goods Food, clothing, transportation and more 94.1 99.6 5% less
Other services Services other than rent 93.0 100.1 7% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Nebraska 3.5% of homes (29,159) are in a high-risk flood zone. Of those homes, 15% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Nebraska United States
Homes in a high-risk zone 3.5% 3.5%
Of those, with NFIP insurance 15% 48%
All homes with NFIP insurance 0.7% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Nebraska

The 7 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (27)

    Help to buy

    Assistance programs in Nebraska

    Our list has 2 official programs that help you buy in Nebraska. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Homebuyer Assistance (HBA) Program

      Nebraska state authority program for first-time buyers: a NIFA mortgage plus a second mortgage of up to 5% of the price at 1%, over 10 years, for the down payment and closing costs. Offered by Nebraska Investment Finance Authority (NIFA).

      Repayable Verified November 5, 2026

    2. Welcome Home Assistance (WHA)

      Nebraska state authority option that adds a second loan for the down payment and closing costs to the Welcome Home mortgage, for first-time buyers and for people who have owned a home before; the page does not state the amount. Offered by Nebraska Investment Finance Authority (NIFA).

      Type not stated Verified November 5, 2026

    Tenant rights

    Tenant rights in Nebraska

    Nebraska law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In Nebraska, a landlord cannot ask for or accept a security deposit of more than one month's rent. When appropriate, the landlord may also ask for or accept a pet deposit of up to one-fourth of one month's rent. This limit does not apply to housing agencies organized under the Nebraska Housing Agency Act.

      Neb. Rev. Stat. §76-1416(1)

    2. When must they return my deposit?

      When the tenancy ends, the landlord may use the deposit and any prepaid rent for rent you owe and for damages the landlord suffered because you did not follow the rental agreement or your duty to maintain the home. The landlord must deliver or mail you the balance, with a written itemization, within 14 days after the tenancy ends. If you gave no mailing address or instructions, the landlord must send it by first-class mail to your last-known mailing address.

      Neb. Rev. Stat. §76-1416(2)

    3. If I fall behind on rent, what notice must I get?

      If you do not pay rent when it is due, the landlord can give you a written notice saying you have not paid and that the landlord intends to end the rental agreement if you do not pay. If you do not pay within 7 calendar days after that notice, the landlord may end the rental agreement.

      Neb. Rev. Stat. §76-1431(2)

    4. How much notice ends a month-to-month rental?

      To end a month-to-month tenancy, you or the landlord must give written notice at least 30 days before the rent date named in the notice. For a week-to-week tenancy, written notice must be given at least 7 days before the termination date named in the notice.

      Neb. Rev. Stat. §76-1437(1)-(2)

    5. Are there limits on late fees?

      Data not available

    A family roasts marshmallows over a campfire at a forest campsite.

    Help and advice

    Who can help you in Nebraska?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    8 HUD-approved counseling agencies serve Nebraska; 4 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    105 public housing authorities run Section 8 vouchers and public housing in Nebraska.

    See all 8 agencies See the housing agencies

    Who runs the help in Nebraska

    • Nebraska Investment Finance Authority (NIFA)

      The Nebraska Investment Finance Authority (NIFA) is Nebraska's housing finance agency (HFA). It says it was established to help meet the affordable housing needs of residents. It works with public, private and nonprofit partners across the state and provides financing at reduced interest rates to low- and moderate-income Nebraskans buying their first homes. It also finances first-time farmers and ranchers, and developers and businesses financing multifamily housing and other projects.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Nebraska

    • Where to file a housing discrimination complaint

      According to the Nebraska Equal Opportunity Commission (NEOC), housing discrimination based on race, color, religion, national origin, disability, familial status, sex, or military or veteran status is prohibited in Nebraska. This covers advertising, buying or renting, financing and use of housing, and the law also bars retaliation. There are exemptions, for example housing for older persons and owner-occupied homes renting no more than three bedrooms. The filing deadline is one year from the date of the harm; federal deadlines may differ.

      Nebraska Equal Opportunity Commission (NEOC) · Verified October 24, 2026

    • Help with insurance complaints or questions

      The Insurance Complaint Division of the Nebraska Department of Insurance gives the public insurance information and assistance and examines consumer complaints.

      Nebraska Department of Insurance · Verified October 24, 2026

    Guides

    Guides for you in Nebraska

    We picked them with the numbers of Nebraska. Each one says why it can help you.

    Frequently asked questions about housing in Nebraska

    What is the FHA limit in Nebraska in 2026?

    In Nebraska, the FHA limit for a one-unit home runs from $541,287 to $603,750. The highest is in Dawson County.

    How much does a typical home cost in Nebraska?

    The typical home value in Nebraska is $238,600 (Average 2020–2024, U.S. Census). The highest is in Sarpy County ($314,100) and the lowest in Pawnee County ($79,400).

    How much does it cost to rent in Nebraska?

    The typical rent in Nebraska is $1,072 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Nebraska?

    At HUD's average fair market rent in Nebraska ($1,260, Fiscal year 2027), about $24.23 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Nebraska?

    The typical property tax in Nebraska is $3,549 a year, about 1.49% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Nebraska?

    There are 8 HUD-approved counseling agencies in Nebraska; 4 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).