In Beatrice, a typical home is worth $159,300 and typical rent is $758 a month. Compared with all of Gage County, typical household income is 15% lower, the typical home value is 8% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $135,476 to $184,355.
Typical rent
$1,101a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Beatrice is in Gage 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 Gage County. See the county
What this place has that others do not, from public data, most unusual first.
1
Beatrice has the 2nd lowest typical rent of the 34 cities in Nebraska with more than 5,000 people ($758).
2
65% of households in Beatrice own their home, against 74% in Gage County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Beatrice
What homes there are in Beatrice, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Beatrice
Gage County
Nebraska
United States
Kind of home: Beatrice and its comparisons
Measure
Beatrice
Gage County
Nebraska
United States
Detached house
75%
83%
71%
61%
Attached house
5%
3%
4%
6%
Building of 2 to 4
8%
6%
4%
8%
Apartments (5 or more)
12%
7%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Beatrice (75%), but less so than in Gage County (83%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Beatrice
Gage County
Nebraska
United States
Year built: Beatrice and its comparisons
Measure
Beatrice
Gage County
Nebraska
United States
Before 1960
48%
49%
32%
26%
1960–1979
27%
25%
25%
24%
1980–1999
16%
15%
20%
25%
2000–2009
6%
7%
12%
14%
2010 or later
4%
4%
11%
11%
By age, homes in Beatrice look like those in Gage County: the typical year built is 1962.
There are fewer big homes in Beatrice than in Gage County: 52% have 3 bedrooms or more, against 59%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K25%
$100K–$200K41%
$200K–$300K24%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Beatrice and its comparisons
Measure
Beatrice
Under $100K
25%
$100K–$200K
41%
$200K–$300K
24%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Beatrice sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50024%
$500–$99958%
$1,000–$1,49915%
HUD fair market rent, 2 bedrooms: $1,025
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Beatrice and its comparisons
Measure
Beatrice
Under $500
24%
$500–$999
58%
$1,000–$1,499
15%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 83% of rented homes in Beatrice cost less than HUD's 2-bedroom fair market rent for Gage County ($1,025).
With a mortgage
$1,298 a month
Gage County: $1,401 a month
Without a mortgage
$573 a month
Gage County: $575 a month
Owners with a mortgage
49%
Gage County: 49%
In Beatrice, 49% of owners have a mortgage, and their typical cost is $1,298 a month, against $1,401 in Gage County. Without one it drops to $573.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Beatrice+49%
Gage County+50%
Nebraska+53%
United States+53%
Typical rent
Beatrice+21%
Gage County+21%
Nebraska+29%
United States+33%
Typical household income
Beatrice+27%
Gage County+27%
Nebraska+25%
United States+29%
Change since 2015–2019: Beatrice and its comparisons
Measure
Beatrice
Gage County
Nebraska
United States
Typical home value
+49%
+50%
+53%
+53%
Typical rent
+21%
+21%
+29%
+33%
Typical household income
+27%
+27%
+25%
+29%
Much as in Gage County, the typical home value in Beatrice rose 49% since 2015–2019.
Rents in Beatrice rose at about the same pace as in Gage County: 21% since 2015–2019, against 21%.
To compare: typical income in Beatrice rose 27%; the home, +49%; the rent, +21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Beatrice and its comparisons
Measure
Beatrice
Gage County
Nebraska
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.1%
3.4%
People per household
2.14
2.26
2.42
2.53
Drive alone
88%
84%
76%
69%
Carpool
5%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
3%
6%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Households in Beatrice are smaller: 2.14 people on average; in Gage County, 2.26.
To get to work, 88% of workers in Beatrice drive alone; in Gage County, 84%.
Do the math
What would you pay each month for a home in Beatrice?
A typical home is tight for the typical income
We start with a typical home in Beatrice, worth $159,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Beatrice, which is $57,264 a year. For that payment to be 28% of income, a household would need to earn about $59,810 a year.
The calculator's FHA and conventional loan limits are those of all of Gage County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Beatrice. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,576 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,396
at 7.18% · 30 years
Loan amount
$156,414
Total interest
$225,043
Paid off in
November 2056
Includes $2,690 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,336 a month
Tight
$1,336 to $1,718 a month
Your payment · 29%
Hard
more than $1,718 a month
Compared with the typical household income in Beatrice ($57,264 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,060
Property tax
$199
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,576 for the down payment, plus closing costs.
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.
Total monthly payment $1,396; principal and interest $1,060.
The city and its county
Beatrice and Gage County
Beatrice is in Gage 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).
Beatrice
Map of Gage County, Nebraska, with Beatrice marked. Around it, the neighboring counties.
Beatrice
Gage County
Beatrice's own numbers
Typical home value
$159,300
Typical monthly rent
$758
Typical yearly household income
$57,264
Households that own their home
65%
Effective property tax rate
1.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gage County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,025
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
3.7%
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 Gage County.
A typical home in Beatrice is worth $159,300: 8% below the county and 33% below Nebraska. With the typical household income in Beatrice ($57,264 a year), a typical home costs 2.8 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.
Beatrice2.8 years
Gage2.6 years
Nebraska3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Gage County
According to FHFA’s house price index, home prices in Gage County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Gage County.
Yearly change in FHFA’s price index in Gage County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +3.3% +3.3% 2017
2018: +5.0% +5.0% 2018
2019: +5.1% +5.1% 2019
2020: +0.3% +0.3% 2020
2021: +12.2% +12.2% 2021
2022: +11.8% +11.8% 2022
2023: +13.9% +13.9% 2023
2024: +5.0% +5.0% 2024
2025: +8.3% +8.3% 2025
Change in FHFA’s price index in Gage County, Nebraska and the United States
Period
County
Nebraska
U.S.
Last year (2025)
+8.3%
+3.3%
+2.9%
5 years (2020–2025)
+62%
+49%
+47%
10 years (2015–2025)
+93%
+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
Beatrice next to Gage 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
Beatrice$159,300
Gage$174,000
Nebraska$238,600
United States$332,700
Typical monthly rent
Beatrice$758
Gage$774
Nebraska$1,072
United States$1,413
Typical yearly household income
Beatrice$57,264
Gage$67,247
Nebraska$76,475
United States$80,734
See the full table
Beatrice next to Gage County and Nebraska
Measure
Beatrice
Gage County
Nebraska
U.S.
Typical home value
$159,300 ▼8% below the county
$174,000
$238,600
$332,700
Typical monthly rent
$758 ▼2% below the county
$774
$1,072
$1,413
Typical yearly household income
$57,264 ▼15% below the county
$67,247
$76,475
$80,734
Households that own their home
65% ▼8 points below the county
74%
67%
65%
Typical yearly property tax
$2,384 ▼3% below the county
$2,447
$3,549
$3,119
Effective property tax rate
1.5% ▲0.09 points above the county
1.41%
1.49%
0.94%
Renters with high rent for their income
40% ▲3 points above the county
37%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gage 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 Beatrice
For a typical $159,300 home in Beatrice, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Beatrice's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,396a month
Least cash to close
Down payment
$5,576
Cash to close
$10,355
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,366a month
Down payment
$7,965
Cash to close
$12,744
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,129a month
Down payment
$31,860
Cash to close
$36,639
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,276a month
Down payment
$23,895
Cash to close
$28,674
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Beatrice
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,396
$5,576
$156,415
7.18%
FHA MIP · $70
$10,355
580
Conventional, 5% down
$1,366
$7,965
$151,335
7.18%
PMI · $76
$12,744
620*
Conventional, 20% down, no PMI
$1,129
$31,860
$127,440
7.18%
None
$36,639
620*
ITIN, 15% down (example)
$1,276
$23,895
$135,405
8.18%
None
$28,674
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Beatrice and for Gage County.
Property tax
Effective rate in Beatrice
1.5%of the home’s value each year
$2,384 a year for the typical owner in Beatrice.
Beatrice1.5%
Gage1.41%
Nebraska1.49%
What Nebraska publishesHomestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)
Typical rent in Beatrice is $758 a month: 2% below the county. In Beatrice, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Gage County, by unit size. To pay the 2-bedroom one ($1,025 a month) without spending more than 30% of your income, you would need to earn $19.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Gage County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$714
$13.73
$28,560
1 bedroom
$784
$15.08
$31,360
2 bedrooms
$1,025
$19.71
$41,000
3 bedrooms
$1,221
$23.48
$48,840
4 bedrooms
$1,601
$30.79
$64,040
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 Beatrice
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Beatrice is in ZIP code 68310.
For 2 bedrooms it is $1,010: $15 less than the fair market rent for Gage County ($1,025).
Fair market rent by ZIP code and size in Beatrice, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
68310
$710
$780
$1,010
$1,210
$1,590
ZIP code2 bd3 bd
68310 $1,010$1,210
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Beatrice 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Gage County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Beatrice or Gage County. The ones below are statewide in Nebraska: they work in Beatrice the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Beatrice or Gage County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Beatrice and all of Gage 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 Beatrice?
The typical home value in Beatrice is $159,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gage County it is $174,000.
How much does it cost to rent in Beatrice?
Typical rent in Beatrice is $758 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gage County is $1,025.
What is the FHA loan limit in Beatrice?
Beatrice uses the FHA limit for all of Gage 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 Beatrice?
The typical homeowner in Beatrice pays $2,384 a year, according to the U.S. Census Bureau. That is 1.5% of the home’s value; in Gage County, the rate is 1.41%.
Where can I find free help to buy or rent in Beatrice?
We found no HUD-approved counseling agencies with an office in Gage County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
