In Chalco, a typical home is worth $238,600 and typical rent is $1,195 a month. Compared with all of Sarpy County, the typical home value is 24% lower and typical household income is 17% lower.
Chalco is in Sarpy 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 Sarpy County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Chalco is worth $238,600,24% less than in Sarpy County as a whole ($314,100).
2
Chalco has the 3rd highest typical household income of the 34 cities in Nebraska with more than 5,000 people ($85,672).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Chalco
What homes there are in Chalco, 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
Chalco
Sarpy County
Nebraska
United States
Kind of home: Chalco and its comparisons
Measure
Chalco
Sarpy County
Nebraska
United States
Detached house
71%
73%
71%
61%
Attached house
4%
5%
4%
6%
Building of 2 to 4
Unreliable estimate
2%
4%
8%
Apartments (5 or more)
Unreliable estimate
19%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Sarpy County, most homes in Chalco are detached houses (71%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Chalco
Sarpy County
Nebraska
United States
Year built: Chalco and its comparisons
Measure
Chalco
Sarpy County
Nebraska
United States
Before 1960
Unreliable estimate
7%
32%
26%
1960–1979
14%
21%
25%
24%
1980–1999
64%
27%
20%
25%
2000–2009
11%
23%
12%
14%
2010 or later
10%
22%
11%
11%
Homes in Chalco are older: the typical year built is 1991; in Sarpy County, 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K20%
$200K–$300K54%
$300K–$500K21%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Chalco and its comparisons
Measure
Chalco
Under $100K
Unreliable estimate
$100K–$200K
20%
$200K–$300K
54%
$300K–$500K
21%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99926%
$1,000–$1,49952%
$1,500–$1,99917%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Chalco and its comparisons
Measure
Chalco
Under $500
Unreliable
$500–$999
26%
$1,000–$1,499
52%
$1,500–$1,999
17%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,657 a month
Sarpy County: $2,081 a month
Without a mortgage
$736 a month
Sarpy County: $868 a month
Owners with a mortgage
77%
Sarpy County: 72%
The typical cost for an owner with a mortgage in Chalco is $1,657 a month, less than in Sarpy County ($2,081); without one, $736.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Chalco+56%
Sarpy County+61%
Nebraska+53%
United States+53%
Typical rent
Chalco+40%
Sarpy County+33%
Nebraska+29%
United States+33%
Typical household income
ChalcoNo clear change
Sarpy County+26%
Nebraska+25%
United States+29%
Change since 2015–2019: Chalco and its comparisons
Measure
Chalco
Sarpy County
Nebraska
United States
Typical home value
+56%
+61%
+53%
+53%
Typical rent
+40%
+33%
+29%
+33%
Typical household income
No clear change
+26%
+25%
+29%
From 2015–2019 to 2020–2024, the typical home value in Chalco rose 56%; in Sarpy County, it rose 61%.
Since 2015–2019, the typical rent in Chalco rose 40%, more than in Sarpy County (33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Chalco and its comparisons
Measure
Chalco
Sarpy County
Nebraska
United States
Rental vacancy
Unreliable estimate
3.9%
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.6%
0.9%
More than one person per room
Unreliable estimate
1.4%
2.1%
3.4%
People per household
2.35
2.65
2.42
2.53
Drive alone
83%
78%
76%
69%
Carpool
7%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
9%
14%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Chalco has 2.35 people, fewer than in Sarpy County (2.65).
In Chalco, 83% of workers drive alone to work; in Sarpy County, 78%.
Do the math
What would you pay each month for a home in Chalco?
A typical home is tight for the typical income
We start with a typical home in Chalco, worth $238,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Chalco, which is $85,672 a year. For that payment to be 28% of income, a household would need to earn about $91,288 a year.
The calculator's FHA and conventional loan limits are those of all of Sarpy 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 Chalco. 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 $8,351 (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
$2,130
at 7.18% · 30 years
Loan amount
$234,278
Total interest
$337,072
Paid off in
November 2056
Includes $4,029 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,999 a month
Tight
$1,999 to $2,570 a month
Your payment · 30%
Hard
more than $2,570 a month
Compared with the typical household income in Chalco ($85,672 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,587
Property tax
$338
Home insurance
$99
FHA mortgage insurance (MIP)
$106
You need at least $8,351 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 $2,130; principal and interest $1,587.
The city and its county
Chalco and Sarpy County
Chalco is in Sarpy 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).
Chalco
Map of Sarpy County, Nebraska, with Chalco marked. Around it, the neighboring counties.
Chalco
Sarpy County
Other cities with a page
Chalco's own numbers
Typical home value
$238,600
Typical monthly rent
$1,195
Typical yearly household income
$85,672
Households that own their home
68%
Effective property tax rate
1.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sarpy County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,450
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
1.8%
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 Sarpy County.
A typical home in Chalco is worth $238,600: 24% below the county and about the same as Nebraska. With the typical household income in Chalco ($85,672 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.
Chalco2.8 years
Sarpy3.0 years
Nebraska3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sarpy County
According to FHFA’s house price index, home prices in Sarpy County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sarpy County.
Yearly change in FHFA’s price index in Sarpy County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +5.1% +5.1% 2017
2018: +6.1% +6.1% 2018
2019: +4.9% +4.9% 2019
2020: +3.4% +3.4% 2020
2021: +10.5% +10.5% 2021
2022: +14.6% +14.6% 2022
2023: +9.1% +9.1% 2023
2024: +3.8% +3.8% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Sarpy County, Nebraska and the United States
Period
County
Nebraska
U.S.
Last year (2025)
+3.1%
+3.3%
+2.9%
5 years (2020–2025)
+48%
+49%
+47%
10 years (2015–2025)
+86%
+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
Chalco next to Sarpy 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
Chalco$238,600
Sarpy$314,100
Nebraska$238,600
United States$332,700
Typical monthly rent
Chalco$1,195
Sarpy$1,334
Nebraska$1,072
United States$1,413
Typical yearly household income
Chalco$85,672
Sarpy$103,321
Nebraska$76,475
United States$80,734
See the full table
Chalco next to Sarpy County and Nebraska
Measure
Chalco
Sarpy County
Nebraska
U.S.
Typical home value
$238,600 ▼24% below the county
$314,100
$238,600
$332,700
Typical monthly rent
$1,195 ▼10% below the county
$1,334
$1,072
$1,413
Typical yearly household income
$85,672 ▼17% below the county
$103,321
$76,475
$80,734
Households that own their home
68% ▼2 points below the county
70%
67%
65%
Typical yearly property tax
$4,052 ▼26% below the county
$5,473
$3,549
$3,119
Effective property tax rate
1.7% ▼0.04 points below the county
1.74%
1.49%
0.94%
Renters with high rent for their income
52% ▲8 points above the county
44%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sarpy 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 Chalco
For a typical $238,600 home in Chalco, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chalco's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,130a month
Least cash to close
Down payment
$8,351
Cash to close
$15,509
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$2,086a month
Down payment
$11,930
Cash to close
$19,088
Rate
7.18%
Mortgage insurance
PMI · $113
Conventional, 20% down, no PMI$1,731a month
Down payment
$47,720
Cash to close
$54,878
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,951a month
Down payment
$35,790
Cash to close
$42,948
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Chalco
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,130
$8,351
$234,278
7.18%
FHA MIP · $106
$15,509
580
Conventional, 5% down
$2,086
$11,930
$226,670
7.18%
PMI · $113
$19,088
620*
Conventional, 20% down, no PMI
$1,731
$47,720
$190,880
7.18%
None
$54,878
620*
ITIN, 15% down (example)
$1,951
$35,790
$202,810
8.18%
None
$42,948
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 Chalco and for Sarpy County.
Property tax
Effective rate in Chalco
1.7%of the home’s value each year
$4,052 a year for the typical owner in Chalco.
Chalco1.7%
Sarpy1.74%
Nebraska1.49%
What Nebraska publishesHomestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)
Typical rent in Chalco is $1,195 a month: 10% below the county. In Chalco, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sarpy County, by unit size. To pay the 2-bedroom one ($1,450 a month) without spending more than 30% of your income, you would need to earn $27.88 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 Sarpy County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,167
$22.44
$46,680
1 bedroom
$1,219
$23.44
$48,760
2 bedrooms
$1,450
$27.88
$58,000
3 bedrooms
$1,924
$37.00
$76,960
4 bedrooms
$2,179
$41.90
$87,160
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 Chalco
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chalco is in ZIP code 68138.
For 2 bedrooms it is $1,430: $20 less than the fair market rent for Sarpy County ($1,450).
Fair market rent by ZIP code and size in Chalco, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
68138
$1,150
$1,200
$1,430
$1,900
$2,150
ZIP code2 bd3 bd
68138 $1,430$1,900
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chalco 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 Sarpy County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Chalco or Sarpy County. The ones below are statewide in Nebraska: they work in Chalco 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 Chalco or Sarpy 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 Chalco and all of Sarpy 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 Chalco?
The typical home value in Chalco is $238,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sarpy County it is $314,100.
How much does it cost to rent in Chalco?
Typical rent in Chalco is $1,195 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sarpy County is $1,450.
What is the FHA loan limit in Chalco?
Chalco uses the FHA limit for all of Sarpy 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 Chalco?
The typical homeowner in Chalco pays $4,052 a year, according to the U.S. Census Bureau. That is 1.7% of the home’s value; in Sarpy County, the rate is 1.74%.
Where can I find free help to buy or rent in Chalco?
There is 1 HUD-approved counseling agency with an office in Sarpy County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
