In Chadron, a typical home is worth $153,800 and typical rent is $881 a month. Compared with all of Dawes County, the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $156,807 to $197,733.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Chadron is in Dawes 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 Dawes County. See the county
What this place has that others do not, from public data, most unusual first.
1
Chadron has the 2nd lowest typical household income of the 34 cities in Nebraska with more than 5,000 people ($54,590).
2
Nearby, in Alliance, the typical rent is $694: 21% less than in Chadron ($881).
3
56% of households in Chadron own their home, against 62% in Dawes County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Chadron
What homes there are in Chadron, 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
Chadron
Dawes County
Nebraska
United States
Kind of home: Chadron and its comparisons
Measure
Chadron
Dawes County
Nebraska
United States
Detached house
73%
74%
71%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
4%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
17%
19%
Mobile home
Unreliable estimate
7%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Dawes County, most homes in Chadron are detached houses (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Chadron
Dawes County
Nebraska
United States
Year built: Chadron and its comparisons
Measure
Chadron
Dawes County
Nebraska
United States
Before 1960
61%
53%
32%
26%
1960–1979
21%
26%
25%
24%
1980–1999
Unreliable estimate
15%
20%
25%
2000–2009
Unreliable estimate
Unreliable estimate
12%
14%
2010 or later
Unreliable estimate
Unreliable estimate
11%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K46%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Chadron and its comparisons
Measure
Chadron
Under $100K
30%
$100K–$200K
46%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Chadron and its comparisons
Measure
Chadron
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,169 a month
Dawes County: $1,219 a month
Without a mortgage
$567 a month
Dawes County: $553 a month
Owners with a mortgage
57%
Dawes County: 50%
The typical cost for an owner with a mortgage in Chadron is $1,169 a month, near the figure in Dawes County ($1,219).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ChadronNo clear change
Dawes CountyNo clear change
Nebraska+53%
United States+53%
Typical rent
Chadron+21%
Dawes CountyNo clear change
Nebraska+29%
United States+33%
Typical household income
ChadronNo clear change
Dawes CountyNo clear change
Nebraska+25%
United States+29%
Change since 2015–2019: Chadron and its comparisons
Measure
Chadron
Dawes County
Nebraska
United States
Typical home value
No clear change
No clear change
+53%
+53%
Typical rent
+21%
No clear change
+29%
+33%
Typical household income
No clear change
No clear change
+25%
+29%
The typical home value in Chadron stayed about the same since 2015–2019: the Census sees no clear change.
The typical rent in Chadron rose 21% over the same time.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Chadron and its comparisons
Measure
Chadron
Dawes 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
2.12
2.12
2.42
2.53
Drive alone
76%
72%
76%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
11%
9%
3%
3%
Work from home
Unreliable estimate
8%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
under 10 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
By size, households in Chadron look like those in Dawes County: 2.12 people on average.
The car rules in Chadron: 76% of workers drive to work alone, and the typical trip takes under 10 minutes.
Do the math
What would you pay each month for a home in Chadron?
A typical home is tight for the typical income
We start with a typical home in Chadron, worth $153,800, 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 Chadron, which is $54,590 a year. For that payment to be 28% of income, a household would need to earn about $56,866 a year.
The calculator's FHA and conventional loan limits are those of all of Dawes 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 Chadron. 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 $5,383 (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
$1,327
at 7.18% · 30 years
Loan amount
$151,014
Total interest
$217,274
Paid off in
November 2056
Includes $2,597 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,274 a month
Tight
$1,274 to $1,638 a month
Your payment · 29%
Hard
more than $1,638 a month
Compared with the typical household income in Chadron ($54,590 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,023
Property tax
$172
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,383 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 $1,327; principal and interest $1,023.
The city and its county
Chadron and Dawes County
Chadron is in Dawes 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).
Chadron
Map of Dawes County, Nebraska, with Chadron marked. Around it, the neighboring counties.
Chadron
Dawes County
Chadron's own numbers
Typical home value
$153,800
Typical monthly rent
$881
Typical yearly household income
$54,590
Households that own their home
56%
Effective property tax rate
1.34%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dawes County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,081
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
3.1%
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 Dawes County.
A typical home in Chadron is worth $153,800: about the same as the county and 36% below Nebraska. With the typical household income in Chadron ($54,590 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.
Chadron2.8 years
Dawes2.7 years
Nebraska3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dawes County
According to FHFA’s house price index, home prices in Dawes County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dawes County.
Yearly change in FHFA’s price index in Dawes County, 2016 to 2025
2016: +0.8% +0.8% 2016
2017: +4.8% +4.8% 2017
2018: +2.0% +2.0% 2018
2019: +10.2% +10.2% 2019
2020: −0.8% −0.8% 2020
2021: +6.7% +6.7% 2021
2022: +16.1% +16.1% 2022
2023: +9.7% +9.7% 2023
2024: +3.0% +3.0% 2024
2025: +6.0% +6.0% 2025
Change in FHFA’s price index in Dawes County, Nebraska and the United States
Period
County
Nebraska
U.S.
Last year (2025)
+6.0%
+3.3%
+2.9%
5 years (2020–2025)
+48%
+49%
+47%
10 years (2015–2025)
+74%
+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
Chadron next to Dawes 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
Chadron$153,800
Dawes$150,900
Nebraska$238,600
United States$332,700
Typical monthly rent
Chadron$881
Dawes$900
Nebraska$1,072
United States$1,413
Typical yearly household income
Chadron$54,590
Dawes$56,280
Nebraska$76,475
United States$80,734
See the full table
Chadron next to Dawes County and Nebraska
Measure
Chadron
Dawes County
Nebraska
U.S.
Typical home value
$153,800
$150,900
$238,600
$332,700
Typical monthly rent
$881 ▼2% below the county
$900
$1,072
$1,413
Typical yearly household income
$54,590 ▼3% below the county
$56,280
$76,475
$80,734
Households that own their home
56% ▼6 points below the county
62%
67%
65%
Typical yearly property tax
$2,059 ▼6% below the county
$2,183
$3,549
$3,119
Effective property tax rate
1.34% ▼0.11 points below the county
1.45%
1.49%
0.94%
Renters with high rent for their income
53% ▲2 points above the county
51%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dawes 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 Chadron
For a typical $153,800 home in Chadron, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chadron's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,327a month
Least cash to close
Down payment
$5,383
Cash to close
$9,997
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,299a month
Down payment
$7,690
Cash to close
$12,304
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$1,069a month
Down payment
$30,760
Cash to close
$35,374
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,212a month
Down payment
$23,070
Cash to close
$27,684
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Chadron
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,327
$5,383
$151,014
7.18%
FHA MIP · $68
$9,997
580
Conventional, 5% down
$1,299
$7,690
$146,110
7.18%
PMI · $73
$12,304
620*
Conventional, 20% down, no PMI
$1,069
$30,760
$123,040
7.18%
None
$35,374
620*
ITIN, 15% down (example)
$1,212
$23,070
$130,730
8.18%
None
$27,684
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 Chadron and for Dawes County.
Property tax
Effective rate in Chadron
1.34%of the home’s value each year
$2,059 a year for the typical owner in Chadron.
Chadron1.34%
Dawes1.45%
Nebraska1.49%
What Nebraska publishesHomestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)
Typical rent in Chadron is $881 a month: 2% below the county. In Chadron, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dawes County, by unit size. To pay the 2-bedroom one ($1,081 a month) without spending more than 30% of your income, you would need to earn $20.79 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 Dawes County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$783
$15.06
$31,320
1 bedroom
$826
$15.88
$33,040
2 bedrooms
$1,081
$20.79
$43,240
3 bedrooms
$1,331
$25.60
$53,240
4 bedrooms
$1,489
$28.63
$59,560
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 Chadron
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chadron is in ZIP code 69337.
For 2 bedrooms it is $1,100: $19 more than the fair market rent for Dawes County ($1,081).
Fair market rent by ZIP code and size in Chadron, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
69337
$800
$840
$1,100
$1,350
$1,520
ZIP code2 bd3 bd
69337 $1,100$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chadron 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.
There is 1 HUD-approved agency with an office in Dawes County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Chadron or Dawes County. The ones below are statewide in Nebraska: they work in Chadron 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 Chadron or Dawes 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 Chadron and all of Dawes 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 Chadron?
The typical home value in Chadron is $153,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dawes County it is $150,900.
How much does it cost to rent in Chadron?
Typical rent in Chadron is $881 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dawes County is $1,081.
What is the FHA loan limit in Chadron?
Chadron uses the FHA limit for all of Dawes 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 Chadron?
The typical homeowner in Chadron pays $2,059 a year, according to the U.S. Census Bureau. That is 1.34% of the home’s value; in Dawes County, the rate is 1.45%.
Where can I find free help to buy or rent in Chadron?
There is 1 HUD-approved counseling agency with an office in Dawes County. They can help you get ready to buy, with your credit, or with rent.
