Español

Este sitio también está en español. Leer en español

City · 8,075 residents · Box Butte County, Nebraska

Alliance , Nebraska

In Alliance, a typical home is worth $161,800 and typical rent is $694 a month. Compared with all of Box Butte County, typical rent is 8% lower and typical household income is 5% lower.

WhatsApp

  • Typical home value

    $161,800

    3% below the county

    32% below Nebraska

    • Alliance
    • Box Butte
    • Nebraska

  • Typical rent

    $694a month

    8% below the county

    35% below Nebraska

    • Alliance
    • Box Butte
    • Nebraska

  • Typical household income

    $65,160a year

    5% below the county

    15% below Nebraska

    • Alliance
    • Box Butte
    • Nebraska

  • Households that own their home

    75%

    2 points below the county

    9 points above Nebraska

    • Alliance
    • Box Butte
    • Nebraska

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$181,057
3.4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Alliance is in Box Butte County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Box Butte County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Alliance apart

What this place has that others do not, from public data, most unusual first.

  1. Alliance has the lowest typical rent of the 34 cities in Nebraska with more than 5,000 people: $694.

  2. Alliance has the 2nd highest homeownership rate of the 33 cities in Nebraska with more than 5,000 people (75%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Alliance

What homes there are in Alliance, 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

The detached house is the most common home in Alliance: 74% of homes, near the figure in Box Butte County (76%).

Year built

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
Monthly rent with utilities

With a mortgage

$1,360 a month

Box Butte County: $1,381 a month

Without a mortgage

$638 a month

Box Butte County: $668 a month

Owners with a mortgage

57%

Box Butte County: 52%

Owning costs about the same in Alliance as in Box Butte County: with a mortgage, $1,360 a month; without one, $638.

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

From 2015–2019 to 2020–2024, the typical home value in Alliance rose 53%; in Box Butte County, it rose 47%.

Rent in Alliance moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureAllianceBox Butte CountyNebraskaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.1%3.4%
People per household 2.262.342.422.53
Drive alone 87%83%76%69%
Carpool 10%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate6%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutesunder 10 minutes10 to 19 minutes20 to 29 minutes

A household in Alliance has 2.26 people on average, about the same as in Box Butte County (2.34).

The car rules in Alliance: 87% of workers drive to work alone, and the typical trip takes under 10 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

Do the math

What would you pay each month for a home in Alliance?

A typical home is within reach of the typical income

We start with a typical home in Alliance, worth $161,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Alliance, which is $65,160 a year.

The calculator's FHA and conventional loan limits are those of all of Box Butte County.

Your numbers

Local data
$

Starts at the typical home value in Alliance. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,663 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,413

at 7.18% · 30 years

Loan amount
$158,869
Total interest
$228,576
Paid off in
November 2056

Includes $2,732 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,520 a month

    Your payment · 26%

  • Tight

    $1,520 to $1,955 a month

  • Hard

    more than $1,955 a month

Compared with the typical household income in Alliance ($65,160 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,413
Principal & interest$1,076
Property tax$198
Home insurance$67
FHA mortgage insurance (MIP)$72

You need at least $5,663 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Alliance and Box Butte County

Alliance is in Box Butte County, Nebraska. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Alliance's own numbers

Typical home value
$161,800
Typical monthly rent
$694
Typical yearly household income
$65,160
Households that own their home
75%
Effective property tax rate
1.47%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Box Butte County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+32%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Box Butte County.

Everything about Box Butte County

Buying

Buying a home in Alliance

A typical home in Alliance is worth $161,800: 3% below the county and 32% below Nebraska. With the typical household income in Alliance ($65,160 a year), a typical home costs 2.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Alliance 2.5 years
  • Box Butte 2.4 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Box Butte County

According to FHFA’s house price index, home prices in Box Butte County rose 47% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Box Butte County.

Period County Nebraska U.S.
Last year (2025) +2.4% +3.3% +2.9%
5 years (2020–2025) +32% +49% +47%
10 years (2015–2025) +47% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Alliance next to Box Butte County, Nebraska and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Alliance $161,800
  • Box Butte $166,600
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Alliance $694
  • Box Butte $752
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Alliance $65,160
  • Box Butte $68,892
  • Nebraska $76,475
  • United States $80,734
See the full table
Alliance next to Box Butte County and Nebraska
Measure Alliance Box Butte County Nebraska U.S.
Typical home value $161,800 $166,600 $238,600 $332,700
Typical monthly rent $694 $752 $1,072 $1,413
Typical yearly household income $65,160 $68,892 $76,475 $80,734
Households that own their home 75% 77% 67% 65%
Typical yearly property tax $2,384 $2,516 $3,549 $3,119
Effective property tax rate 1.47% 1.51% 1.49% 0.94%
Renters with high rent for their income 49% 46% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Box Butte County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Alliance

For a typical $161,800 home in Alliance, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Alliance's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,413a month

    Least cash to close
    Down payment
    $5,663
    Cash to close
    $10,517
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,384a month

    Down payment
    $8,090
    Cash to close
    $12,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,142a month

    Down payment
    $32,360
    Cash to close
    $37,214
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,292a month

    Down payment
    $24,270
    Cash to close
    $29,124
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Alliance and for Box Butte County.

Property tax

Effective rate in Alliance

1.47%of the home’s value each year

$2,384 a year for the typical owner in Alliance.

  • Alliance 1.47%
  • Box Butte 1.51%
  • Nebraska 1.49%

What Nebraska publishes Homestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)

Exemptions and deadlines in Nebraska

Flood risk in Box Butte County

FEMA does not publish these numbers by city: they are for all of Box Butte County.

FEMA’s maps count no homes in the high-risk zone in Box Butte County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Alliance

Typical rent in Alliance is $694 a month: 8% below the county. In Alliance, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Box Butte County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Box Butte County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $734 $14.12 $29,360
1 bedroom $828 $15.92 $33,120
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,374 $26.42 $54,960
4 bedrooms $1,380 $26.54 $55,200

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Alliance

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Alliance is in ZIP code 69301.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Box Butte County ($1,014).

  • 69301 $1,010$1,380

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Alliance when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Alliance

HUD lists 4 buildings with rents for lower incomes in Alliance. These are the largest.

  • Maxwell Square 2612 Big Horn Dr, Alliance 69301 60 homes, 59 low-income · Run by Alliance Housing Authority · Average payment: $407 a month · Average wait: 3 months (308) 762-5130
  • Wildflower Terrace 2420 Peterson Ct, Alliance 69301 24 low-income homes · For older adults (308) 762-1700
  • Rosewood Estates 2630 Laramie Dr, Alliance 69301 18 low-income homes · 2 bd: 16 · 3 bd: 2 · In service since 2009 · For older adults
  • Rosewood Estates II 2716 Cheyenne Ln, Alliance 69301 18 low-income homes · In service since 2011

See all 5 buildings in Box Butte County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Alliance

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Box Butte County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Alliance

No down payment, repair or rent-help program on our list is for Alliance or Box Butte County. The ones below are statewide in Nebraska: they work in Alliance the same as in the rest of the state.

Which programs do I qualify for? All programs in Nebraska

  • Homebuyer Assistance (HBA) Program

    Statewide in Nebraska

    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

    See the program Official page

  • Welcome Home Assistance (WHA)

    Statewide in Nebraska

    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

    See the program Official page

Housing counselors near Alliance

The HUD-approved agencies closest to the center of Alliance, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • High Plains Community Development Corporation

    803 E 3rd St Ste 4, Chadron · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (308) 432-4346

  • Blue Valley Community Action Partnership

    620 5th St, Fairbury · 326 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (402) 729-2278

  • Neighborhoods, Inc. DBA Neighborworks Lincoln

    2530 Q St, Lincoln · 333 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (402) 477-7181

All counseling agencies in Nebraska

Help in Spanish near Alliance

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Alliance

HUD’s record names them for Alliance or Box Butte County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Alliance Housing Authority Public housing and Section 8 vouchers (308) 762-5130

One other authority has an office in Box Butte County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Alliance, with the typical home value.

Everything about Box Butte County Housing in Nebraska

Neighboring counties

If Box Butte County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Alliance.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Alliance

Short answers with the numbers for Alliance and all of Box Butte County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Alliance?

The typical home value in Alliance is $161,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Box Butte County it is $166,600.

How much does it cost to rent in Alliance?

Typical rent in Alliance is $694 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Box Butte County is $1,014.

What is the FHA loan limit in Alliance?

Alliance uses the FHA limit for all of Box Butte County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Alliance?

The typical homeowner in Alliance pays $2,384 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Box Butte County, the rate is 1.51%.

Where can I find free help to buy or rent in Alliance?

We found no HUD-approved counseling agencies with an office in Box Butte County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).